Get additional liability coverage designed to go the distance.

You Get Better-Safe-than-Sorry Protection Under an Umbrella

You can’t really put a price tag on knowing you are well protected with the insurance program you’ve purchased. Or can you?

You have Auto and Home insurance to protect your assets in the event of a loss of which you’re found responsible. This may involve a car accident or an injury at your home. Unfortunately, sometimes a catastrophic event occurs that has the potential to turn everything upside. In these cases, your main policies are often not enough to protect you. That’s where a Personal Umbrella comes in… and the price is well worth it. Personal Umbrella insurance adds extra liability coverage to protect you in the event of a lawsuit.

Buying an Umbrella Policy Is Smart

Umbrella insurance makes sense for anyone who has assets to protect. Her are a few examples that illustrate why:

Your son’s friend is seriously injured while playing in your pool and sues you. An Umbrella policy will not only cover the cost of any medical bills, but it will also pay for your legal defense if the costs add up to more than the liability coverage on your Homeowners policy.
You are involved in a car accident where the other party sustains life-threatening injuries and you are found responsible. After your Auto insurance is maxed out, an Umbrella policy covers the rest up to the policy limits your purchase. If you have a $300,000 limit on your Auto policy and a $1 million Umbrella policy, you have $1.3 million worth of coverage.
You are sued for slander or libel or other types of lawsuits not covered by your Homeowners or Auto insurance. Think about it, in today’s social media and bullying environment, your risk of being sued is not so far-fetched. An Umbrella policy would cover any legal costs and any settlement.

How an Umbrella Policy Works

Umbrella insurance works in concert with the basic liability coverages under your primary policies such as your Homeowners, Renters, Condo and Auto insurance. It provides more protection for risks of bodily injury and property damage, along with coverage for other risks that your standard policies may not insure. You basically get an extra layer of insurance coverage over your standard liability policies.

Coverage is available in increments of $1 million and is relatively inexpensive for the amount of insurance you gain.