Umbrella Coverage Quote Forms
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Umbrella Coverage Information
What is umbrella insurance?
Umbrella insurance is extra liability insurance. It is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets.
It does this in a couple ways:
First by, providing additional liability coverage after and above the limits of your underlying homeowners, auto, and boat insurance policies. This protection is designed to kick in when the liability on these other policies has been exhausted.
Second by, providing coverage for claims that may be excluded by other liability policies such as: false arrest, libel, slander, and liability coverage on rental units you own.
How Personal Umbrella Coverage Protects You?
Consider this scenario: You're sued for $1 million after an auto accident or an incident on your home or property. But your insurance only covers up to $500,000 in damages. Who's responsible for the other $500,000 if you're ordered to pay it? You are — unless you have Personal Umbrella insurance.
Personal Umbrella insurance covers you and your family by paying claims that exceed the liability limits of your existing auto or homeowners policy. With Personal Umbrella coverage, your home is safe. Your lifestyle is safe. You're safe.
Who Needs Personal Umbrella Coverage?
Personal Umbrella insurance isn't just for the wealthy. It's for everyone. That's why we offer comprehensive and affordable protection.
If you drive a motor vehicle or you own a home or condominium, you're vulnerable to legal action and large judgments. If you have an ATV, RV, boat, or motorcycle, your need for extra protection is even more important.
Questions to ask your agent:
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
- How much can you afford to pay if you get in an accident?
- What is the insurance company's level of service and ability to pay claims?
- What discounts are available?
- What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)