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To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by Personal Umbrella Liability Insurance.

Let's face it, people seem to enjoy suing others these days.  And, courts are awarding large sums to plaintiffs. 

So what is an Umbrella Policy?

An Umbrella Policy provides an additional layer of liability protection.  If the liability limits are exhausted on your Home, Auto, Boat, or other underlying insurance policy, your Umbrella Insurance Policy takes over and provides you with additional protection.

The cost is minimal compared to the comfort of knowing you're covered.  A typical policy runs $200-$400 per year for a limit of $1,000,000.  One million isn't what it used to be either - many people need more that.  Yes, we can do more.   

Why would I need an Umbrella Policy?

Imagine if a neighbor's child broke their leg on your backyard swing...  There's an accident at your rental property...  A trick-or-treater slips on your driveway Halloween night...  What if you or a family member missed a stop sign and struck and killed a pedestrian?  If any of these things happened to you, there's a chance your current liability limits wouldn't be adequate to protect your assets - or your future earnings.  If the court awards $800,000 of damage and your insurance policy stops at $300,000, where does the remainder come from?

A lot of factors determine the amount of coverage you need.  Your financial status, lifestyle, and existing coverage are all relevant; but in liability lawsuits, judgments can exceed net worth.  Talk to one of our agents for help determining what's right for you.

Oh yeah - you may also even save on your Homeowners or Auto Insurance Policy by purchasing an Umbrella policy with a multi-line discount.

Edited 3/1/2018.

Posted 11:18 AM

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