Umbrella Insurance

Umbrella insurance is often referred to as excess liability insurance. It acts as an extra layer of protection over your other insurance policies.

If you are sued for damages that exceed the liability limits of your car insurance, homeowners insurance or other coverage types, an umbrella policy helps pay what you owe in damages. Umbrella insurance may also provide coverage not included in a base insurance policy.

You should consider an umbrella insurance policy if you:

• Own property and/or rent to other individuals
• Have significant savings
• Have something that could potentially harm people visiting your home (this includes pools, trampolines, dogs, and more)
  
• Serve on the board of a nonprofit, volunteer, or coach an amateur sports team
  
• Participate in sports where you could easily injure others (hunting, skiing, etc.)

Umbrella insurance provides protection against a wide range of potential financial dangers and unforeseeable mishaps.

What is (or is not) covered under your policy depends on how you choose to set up your policy. In most cases, umbrella insurance protects you from:

• Injuries you cause in a car accident
• Injuries someone suffers on your property
• Property damage you cause in an accident
• Property damage your pet causes
• Property damage a dependent or child causes
• Attorney fees and other legal costs if you’re sued

Your existing insurance may cover any repairs you need for damaged property, but an umbrella policy goes much further to protect you against any liability. Umbrella insurance is also portable, so it can follow you whenever and wherever you travel―even overseas.

If you would like to discuss the benefits and restrictions of an umbrella insurance policy, please feel free to reach out to us. We can help you find the best policy for your needs.

Compared to the amount of protection you get, umbrella insurance is really, really affordable. Your specific cost will be determined by:

• The amount of coverage you purchase
• Your insurance carrier’s provisions
• Your risk profile and driving record

You can save even more money by purchasing umbrella insurance from the same carrier who provides your home and/or auto insurance.

We know that insurance can seem overly complicated. That's why we're here. 

Our first priority is to protect you and your family. If you are interested in umbrella insurance or if you have any concerns about your existing coverage, please do not hesitate to contact us. We are always happy to help.