Umbrella Insurance

What if your current personal auto, homeowners, or renters policy is not enough to cover the costs of a disaster, such as a liability issue? This is where umbrella insurance comes into play. This plan places you under its umbrella so that when you exceed the liability coverage limits, you will remain safeguarded.

A Personal Umbrella policy will not only provide additional coverage (or is it limits?) for bodily injury and property damage but also to things that are not listed under regular liability allowances. Every policy is different, just as each of our customers. Therefore, we are committed to working with you to create a solution that meets your specific needs, lifestyle, and protects you from the unique risks you may face.

How Umbrella Insurance Works

Here's an example of how a Personal Umbrella policy would come in handy: If you are involved in a car accident that injures another driver, and you are at fault, your Personal Auto policy might cover the injury up to the limit you selected (ex: $150k). But what happens if that is not enough to cover their medical bills?

What if their medical bills go beyond the $150k your policy covers? And if they sue you for the months of work that they will miss? The claim amount can quickly add up to over $1 million if they have a high-paying job. Your Umbrella policy would help pay for everything above the initial $150k and keep your personal assets safe. 

Umbrella policies can also provide you with more coverage and can help cover legal fees, false arrest, libel, and slander.

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