Most people overlook this vital policy due to the fact that people just hate paying for things they don't use in the moment. An Umbrella Insurance Policy is one of those things you don't see the value in until something catastrophic happens. Many people might even ask "What even is an Umbrella Policy and why do i need it?".
An Umbrella Policy is extra liability insurance coverage that goes beyond the limits of the insured's coverage on any policy they obtain. It provides another layer of security to you and your assets that may be at risk of being sued for damages that occurred in an accident. It also protects you against things like libel, vandalism, slander, and invasion of privacy.
Why should I get an Umbrella Policy? We all know accidents happen, but what happens if you get sued for more than your current limits? Imagine you're driving a few members of your child's soccer team and get in an accident. Or you're big, friendly dog knocks down an elderly neighbor who breaks a hip. What if you're sued for something entirely frivolous? An attorney charges $250/hr, but you can protect yourself for about that much money per year with an umbrella insurance policy. Remember, you don't have to be a millionaire to be sued like one.
Who benefits from an Umbrella Policy? Everyone! There is so much risk today, especially for those who: Own a home, have a steady income or retirement savings. Have children, teens, or students away at college. Own or use a car, ATV, boat, motorcycle, RV, or a golf cart, have animals, firearms, a pool or a trampoline, etc. Use social media, participate on a board or HOA. People who carpool, entertain, have teen babysitters, host sleepovers.
Great protection comes from an Umbrella Policy! This policy is extremely affordable and provides peace of mind so you can rest easy. With a true umbrella policy, not just excess liability, which means it: Protects you and your household anywhere in the world. Provides legal defense coverage on top of the limit of liability. Drop down protection when other insurance may not apply. Very broad coverage with open perils protections, so if it's not specifically excluded, you've got protection against life's unexpected surprises!
Covered. And them some. People are more vulnerable than ever and a simple accident could hurt your ability to put your kids through college or to retire. We can offer an Umbrella Policy provides an additional $1 Million, or more, of coverage to protect you, your family and your future. Personal Umbrella insurance is an affordable way to protect all you love when one of life's unexpected surprises pays a visit!