Umbrella Insurance
Comprehensive Protection for Life
At our agency, we understand that life's uncertainties can lead to unexpected financial burdens. In this handy guide, we'll explore the ins and outs of umbrella insurance, helping you to shield yourself and your assets from the storms of uncertainty.
Umbrella Insurance
THERE'S MORE TO IT!
Why it's a good idea to get this coverage in our area:
Think of umbrella insurance as the safety net above all your other insurance policies. It's an additional layer of protection that goes beyond the coverage provided by your auto, Home, or other insurance policies. This umbrella protects you from the rain of financial liabilities when the limits of your primary policies are exceeded.
When an accident or unexpected event occurs, and your underlying insurance policy's coverage limit is exhausted, your umbrella insurance steps in to cover the remaining costs (up to the policy's limit). It provides an extra cushion of financial security that can be a lifesaver in situations where the stakes are high.
For example, let's say you're involved in a severe car accident, and the liability coverage of your auto insurance is exhausted. If you have umbrella insurance, it can cover additional costs, such as medical expenses, legal fees, or property damage, up to the umbrella policy's limit.
Umbrella insurance offers broad protection, including:
Liability Coverage: Covers bodily injury or property damage you or a covered family member may cause to others.
Personal Injury Coverage: Protects against libel, slander, defamation, and invasion of privacy claims.
Legal Fees: Covers your legal defense costs, even if you're found not liable in court.
False Arrest, Detention, or Imprisonment: Provides coverage for situations where someone claims you wrongfully detained them.
Damage to Others' Property: Includes damage your child or pet may cause to someone else's property.
Worldwide Coverage: Extends coverage beyond the United States, valuable for international travelers.
Umbrella insurance can be a valuable addition to your insurance portfolio, protecting you from life’s financial challenges and providing great peace of mind! Purchasing umbrella insurance is a straightforward process, which our experienced agents will happily guide you through!
