Umbrella Insurance Policies

You have insurance on your home, auto and business – but unfortunately they don’t always cover every situation. That’s when umbrella policies become your life line!

I know what you’re thinking, “Shouldn’t my other policies cover all situations?” They can but you might pay a high price to get the max coverages on all your policies.

But an umbrella policy is a fairly inexpensive policy you can put into place for the what if situations when your regular policy wouldn’t cover, or more likely, when it would be maxed out and you don’t want to be left paying out the nose to settle.

For instance – you get in an accident causing over $500,000 in damages and medical expenses, but your auto insurance policy maxes out at $300,000 – who will be responsible for the $200,000 gap? Unfortunately you could be. I don’t know about you, but the average person doesn’t generally have that kind of money just sitting around in case of accident!

It can also help you if your pet were to bite someone, your tenant’s dog bit someone, or someone tripped on a crack on your property or rental property and decided to sue you!

We recommend all homeowners, business owners, landlords, and parents of teens consider this type of policy.

Talk with one of our agents to determine if this coverage is right for you and get a quote by filling out the form below or calling us.


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