Umbrella Insurance
Experiencing a major insurance claim or lawsuit could lead to personal financial loss if costs exceed coverage provided by your standard homeowners and auto policies. That’s where umbrella insurance comes in.
Additional coverage for an extra layer of protection
Umbrella insurance is an extra liability policy for added peace of mind. Most commonly, it is something you’d get in addition to either a car insurance or homeowners policy.
Umbrella insurance is specifically about liability, which is the cost you might have to pay somebody else for an unfortunate event where you are held responsible. It doesn’t usually include losses you bear yourself, such as if your property is damaged or your possessions are stolen.
Pays out when liability coverage limits are not enough
You’d usually get umbrella insurance when your main insurance policy has liability coverage limits that are too low for your needs. It will pay out when your main policy has already paid out in full, and will only pay the remainder of your costs.
For example, if your auto policy covers liability up to $500,000 but you can cause an accident that leaves the other driver with medical bills of $600,000. Your main policy will pay in full, and umbrella insurance pays the remaining $100,000.
We can set you up with a cost-effective policy with the additional coverage you need to protect yourself and your family.
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