Umbrella Insurance

Liability coverage is vital on your property and vehicle insurance. Possibly the most important coverage you can have. However, many people simply do not have enough. If an accident or other calamity were to happen, the property damage and/or medical bills for injuries to a third party can be exorbitant. That’s why it’s important to consider adding an umbrella policy to your existing insurance plan.

An umbrella policy can provide additional liability coverage to your liability policies on your home, auto, recreational vehicle, classic car, watercraft, motorcycle, etc. In the event of an accident, your primary (home, auto, motorcycle, etc.) liability will pay first. Once that primary policy has paid out the maximum limit, your umbrella policy kicks in. It then pays up to its policy limit. These policies are typically written in increments of $1,000,000. By adding an umbrella, you are reducing your chance of needing to pay out of pocket for injuries or damages in which you are determined to be liable.

If you aren’t sure your liability coverage is sufficient, take control by getting a quote to increase your limits with an umbrella policy. Give us a call and we can walk you through exactly how these policies work to protect your assets, your financial future and your peace of mind.