Name: August Vincent Insurance Agency
Address: 1145 Mitchell Ct, Suite 216, Crystal Lake, IL, 60014
Telephone: 847-217-2184

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The most well-known benefit of umbrella insurance is that it increases the liability coverage provided by home, renters, and auto policies. However, it also insures against additional types of legal claims that your original policy might not cover. These often include issues like privacy invasion, false arrest, and defamation.

Slander vs. Libel

While slander refers to spoken statements, libel involves written or published harmful information. Libelous material can appear on the internet, in signs, in newspapers, or other printed publications. Both slander and libel are forms of defamation, and umbrella insurance typically covers them, with certain exceptions. Even when a negative statement is true, proving it can be difficult.

Could It Happen to You?

Unfortunately, it’s easier than ever to make defamatory statements that could result in a lawsuit. Social media networks, online forums, and business review websites allow users to post negative comments instantly. Even if you don’t use these platforms, you could unknowingly repeat false information or exaggerate someone’s faults in a moment of anger.

Types of Insurance

Regular home or renters insurance may or may not cover defamation in Crystal Lake, IL. Some insurers offer this coverage as an optional rider. Even if your existing policy includes protection against slander and libel lawsuits, you could still benefit from umbrella insurance. It increases the coverage limit for defamation claims and can help cover legal defense costs, regardless of the verdict.

If you’d like to benefit from the protection offered by an umbrella policy, talk to the experts at August Vincent Insurance Agency. Our independent agents will help you compare coverage options and find the right policy for your needs. To get started, please call 847-217-2184 to reach the August Vincent Insurance Agency office in Crystal Lake, IL.

Pets and Liability: What You May Not Realize

While you may see your dog or cat as a beloved family member, the law often sees them differently. If your pet causes harm to someone—whether it’s a dog bite, a scratch, or even knocking someone over—you could be held liable for medical bills, legal fees, and other damages. Even well-trained pets can have bad days or react unpredictably in certain situations, which makes liability a real concern.

Standard homeowners or renters insurance may cover some liability, but coverage limits can quickly be exceeded if the situation escalates. That’s where a personal umbrella policy comes in.

How a Personal Umbrella Policy Protects Pet Owners

A personal umbrella policy provides an additional layer of liability protection that goes beyond the limits of your standard insurance. If your pet is involved in an incident that results in a lawsuit or significant medical costs, umbrella coverage can help protect your savings and assets. It’s an affordable way to gain peace of mind, especially for pet owners who understand that even the sweetest pets can have unpredictable moments.

If you own a pet, don’t wait to learn more about personal umbrella policies. Contact August Vincent Insurance Agency in Crystal Lake, IL, to explore how this added protection can keep you and your furry friends covered.