Umbrella Insurance

When it rains, it pours…

Especially when it comes to unexpected accidents or claims…

What is umbrella insurance?

You never know when it might rain. So, just like the name implies, this type of policy acts like an umbrella, providing protection against a wide range of potential financial dangers and unforeseeable mishaps.

Umbrella insurance does not cover:

• Your own medical expenses

• Losses to your property

However, what exactly is covered by your umbrella policy depends on how you decide to set it up. In most cases, umbrella insurance protects you from:

• Injuries you cause in a car accident

• Injuries someone suffers on your property

• Property damage you cause in an accident

• Property damage your pet causes

• Property damage a dependent or child causes

• Attorney fees and other legal costs

Yes, your existing insurance may protect you to an extent, but an umbrella policy goes much further for less cost than upping the limits on your existing policy because it covers for different types of risks. Umbrella insurance is also portable, in most cases, so it can follow you when and wherever you travel.

Since the terms of umbrella insurance policies will vary, depending on insurance companies and your own personal needs, a qualified insurance agent from our firm is the best person with whom to discuss the benefits, restrictions, and coverage from each carrier they represent.