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Umbrella Insurance

Umbrella Insurance

When reviewing insurance policies, one of the most common mistakes we see is the lack of adequate liability coverage.  Although liability claims tend to occur infrequently, when they do occur they are usually severe and can be financially devastating.

These days, it seems that lawsuits are becoming more and more common, and million-dollar judgments have become the norm.  The liability coverage provided by your auto, home, and watercraft policies protect you, but it may not be enough in the event of a lawsuit.

The solution?  Umbrella insurance.

An Umbrella policy, also called an excess liability policy, supplements the liability coverage that your primary auto, home, and other eligible policies provide by adding an extra layer of protection.  If your primary insurance policy liability limits are used up, an Umbrella policy will provide excess liability coverage up to the limit of insurance you choose.  The liability coverage provided by the Umbrella policy covers your listed auto(s), home(s), boat(s), and other eligible exposures.

Umbrella Insurance is usually quite inexpensive, particularly considering the amount of insurance they provide.  And when we package your Umbrella Insurance policy with your auto, home, boat, and other insurance policies the discounts can be substantial!  Ask us about Personal Umbrella Insurance today!