{"id":147,"date":"2026-01-30T12:00:00","date_gmt":"2026-01-30T18:00:00","guid":{"rendered":"https:\/\/www.krienerinsurance.com\/blog\/?p=147"},"modified":"2026-01-13T07:52:42","modified_gmt":"2026-01-13T13:52:42","slug":"how-does-umbrella-insurance-work","status":"publish","type":"post","link":"https:\/\/www.krienerinsurance.com\/blog\/how-does-umbrella-insurance-work\/","title":{"rendered":"How Does Umbrella Insurance Work?"},"content":{"rendered":"

A defamation lawsuit or property damage can quickly lead to financial ruin. Many people involved in such lawsuits must liquidate their assets to pay settlements or medical bills. However, you do have other options. Umbrella insurance can help you maintain your financial status. <\/p>\n

Kriener Insurance, serving Woodbury, MN, explains. <\/p>\n

Liability Coverage<\/h2>\n

Umbrella policies are designed to provide additional liability coverage. That means if someone sues you, the policy may help pay for the settlement, so you don’t have to. This coverage can apply to accidents at your home, on your boat, or after a car accident. There’s also personal coverage to help with lawsuits, including defamation claims. <\/p>\n

It’s essential to note that this is liability coverage. It will not pay for personal damages like property damage or medical expenses. <\/p>\n

Secondary Coverage<\/h2>\n

Umbrella insurance kicks in after the limits on your homeowners, renters, auto, or other insurance policy have been reached. For example, suppose someone is injured on your property. Your homeowners policy will take effect first to cover damages, such as medical bills. If there are additional expenses, your umbrella policy will apply. <\/p>\n

Coverage Limits<\/h2>\n

There are various coverage limits available, depending on your needs. High-net-worth individuals often face frivolous lawsuits and can benefit from higher coverage limits. Review your current policies and their limits, then contact a Kriener Insurance agent to discuss your options. <\/p>\n

Common Exclusions<\/h2>\n

These policies are known for covering the cost of attorneys and settlements during and after lawsuits. However, there is one exception you should know: Claims are often denied if there is malicious or harmful intent. For example, if someone falls on your property, the policy typically covers damages. On the other hand, if you push someone and cause injuries, this is usually considered malicious intent. <\/p>\n

Agents at Kriener Insurance can help you learn more about how umbrella insurance works. We’re currently serving the Woodbury, MN, area.<\/p>\n","protected":false},"excerpt":{"rendered":"

A defamation lawsuit or property damage can quickly lead to financial ruin. Many people involved in such lawsuits must liquidate their assets to pay settlements or medical bills. However, you do have other options. Umbrella insurance can help you maintain your financial status.  Kriener Insurance, serving Woodbury, MN, explains.  Liability Coverage Umbrella policies are designed […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[24,9,12,23,11],"class_list":["post-147","post","type-post","status-publish","format-standard","hentry","category-umbrella-insurance","tag-insurance","tag-kriener-insurance","tag-mn","tag-umbrella","tag-woodbury"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t