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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.

Umbrella Insurance 101

Make sure you cover the unique risks you face with Umbrella insurance.

  • 1 Click on the hotspots.
  • 2 Discover your risks.
  • 3 Get the right coverage.

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As an independent agency, we are here to help you find the right coverage.

  • 1 Fill out the form, we’ll be in touch.
  • 2 Go over your options with an agent.
  • 3 Get the coverage you need.

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Lawsuits

Risk Factor

You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?

Solution

An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies – providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Note: Actual policies must be consulted for specific terms and conditions.

Watercraft Liability

Risk Factor

Accidents can happen to anyone at any time, even those who have been out on the water for years. Personal watercraft insurance is a necessity, but sometimes the limit these policies provide isn’t enough.

Solution

Your standard watercraft policy limit could easily be exhausted if you are found to be at fault for property damage or personal injury. An umbrella or excess liability policy can extend those limits, providing you an additional layer of financial protection.

Note: Actual policies must be consulted for specific terms and conditions.

Property Damage Liability

Risk Factor

You can be held responsible if you significantly damage another vehicle and/or property. Do you have enough coverage to protect yourself from the risk?

Solution

Your standard auto policy limit could easily be exhausted if you are found to be at fault. An umbrella or excess liability policy provides an extra layer of protection once your standard liability limits are exhausted. It’s a cost-effective way to ensure the peace of mind you deserve.

Note: Actual policies must be consulted for specific terms and conditions.

Bodily Injury Liability

Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into a pedestrian, bicycle, or another vehicle. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

An umbrella or excess liability policy helps extend your coverage to better protect you against these significant costs. It’s the ideal coverage to provide peace of mind, even when the unthinkable happens.

Note: Actual policies must be consulted for specific terms and conditions.

Get A Quote

As an independent agency, we are here to help you find the right coverage.

  • 1 Fill out the form, we’ll be in touch.
  • 2 Go over your options with an agent.
  • 3 Get the coverage you need.

Get in touch with an agent today!

It only takes a minute to get started!

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