Personal Umbrella Insurance
Personal Umbrella Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voice mail or facsimile. No payment, binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent or your insurance company. Note any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us on this online form/application and/or in communications with us. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages are available in every state.
Personal Umbrella Insurance Information
What is personal umbrella insurance?
Home and auto insurance is an important step in your financial planning and a great way to protect your family’s assets. But, it is not without limitations. You can choose the amount of coverage you wish to own. But, these personal insurance policies will only cover up to a certain dollar amount. For coverage beyond those limitations, you will need umbrella insurance.
What are the benefits of personal umbrella insurance?
Standard insurance policies do provide valuable protection. But, there is still a chance that you can become financially liable for a sum larger than what your policies will cover. For instance, say you have a fire in your home, and it spreads to destroy your neighbor’s property. Does your home insurance policy include enough liability coverage to pay for the damages?
Umbrella insurance can protect your assets if you are held liable for property damage or bodily injury. It can also help cover legal fees, false arrest, libel and slander. If you are sued and do not have enough coverage with your standard policies, all your assets are exposed. This can include your house, car, financial and retirement accounts, and future income.
Think of umbrella insurance as a blanket policy that adds another layer of coverage on top of your basic policies. When you’ve reached the limits on your home or auto insurance, your umbrella insurance then helps cover the remaining costs.
Learn more about umbrella insurance
If you want to protect you and your family from financial ruin due to an unforeseen accident, you may need an umbrella policy. Call us today to learn more.