If you’re a parent of a teenager, you’re well aware that life can become unpredictable. Between learning to drive, borrowing a car, and navigating social life, teens introduce a new level of responsibility—and risk. At Tackett Insurance Inc. in Memphis, TN, we often converse with parents who are surprised to learn how umbrella insurance offers extra protection for their growing families.

Teen Drivers Increase Liability Risks

When your teen gets behind the wheel, your liability risk significantly increases. Even the most responsible young driver is still gaining experience, which means the chances of an accident are higher. If your teen causes a serious crash, standard auto insurance might not be enough to cover all the damages, especially if there are injuries involved. That’s where umbrella insurance comes in—it covers costs that exceed your regular policy limits.

Social Media and Legal Issues

In today’s digital age, teens are also active online. Unfortunately, what they post can sometimes lead to unintended consequences. If your child is accused of defamation, bullying, or invasion of privacy, you could find yourself facing a lawsuit. Umbrella insurance can help protect your family from the financial impact of legal claims, even those that don’t involve vehicles or physical injury.

It’s About Extended Liability Protection

Raising teenagers comes with enough stress. Having umbrella insurance means you don’t have to worry as much about the "what-ifs." It’s a safety net that protects your family’s finances and future.

Want to ensure your family has the coverage it needs? Contact Tackett Insurance Inc. in Memphis, TN, today to learn how umbrella insurance can give you the reassurance every parent deserves.