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Umbrella Insurance: Is it Necessary?
When you finally get to sit down and relax in the evening and flip on the television, every other commercial is an attorney. They urge you to file a lawsuit if you were in an auto accident or if you were injured on someone’s property. When that injury has occurred on your property or the accident was your fault there is a real possibility that you will be sued.
What is it?
A Personal Umbrella Policy is an excess liability policy that extends over your liability policies, such as your home and auto, to provide an extra layer of protection for you and your family against large liability claims.
What does it pay for?
If the cost of the accident goes above your liability limits you will be responsible for the difference if you do not have a Personal Umbrella Policy. Most Umbrella policies will even pay for your attorney if you are sued for a loss that is covered by the policy.
Who could benefit from an Umbrella Policy?
While everyone can benefit from the protection of a Personal Umbrella Policy, if you fall into any of the categories below you should strongly consider this policy:
- Own a Home
- Own a Car
- Own Toys – ATV, Boat, Motorcycle, etc…
- Have Children
- Have a Pet
- Provide Alcohol to Guests
- Have a Swimming Pool or Trampoline
- Have Playground Equipment
- Have a High Net Worth or Assets
- Have Rental Properties
- Coach Youth Sports Teams
- Entertain Guests at Home
We are an independent agency so we are able to quote with multiple different companies to get you the most coverage for the lowest premium. What we offer:
- Over 50 years in insurance knowledge to help advise you as our client
- Claims Support
- “Apples to Apples” quoting
- Processing ongoing policy changes as you or your family grows
Call us to learn about your options and get a quote!