Buy Umbrella Insurance

November 13, 2020

Umbrella insurance coverage allows you to increase the liability limits for your existing auto (or homeowners) insurance policy. Nobody plans to be the at-fault party to an accident, but that is why you buy umbrella insurance coverage for an unexpected car crash. If you accidentally cause major property damage or serious injuries to others that exceed the limit of your auto insurance policy, personal umbrella insurance can protect you current assets and future earnings against large settlements due to a liability lawsuit. 

It just makes sense to protect your finances and financial future from expensive lawsuits by adding extra liability coverage with auto umbrella insurance – or homeowners umbrella insurance – beyond the limits of the policies in force. Since the safety net of your primary insurance only stretches so far, you could lose your family’s finances after a serious accident. In addition to protecting your assets when you are forced to pay a legal judgment, umbrella insurance coverage can help pay for the costs of defending yourself in court, which can add up quickly even if you win your case.

Although umbrella insurance does not cover your own injuries or property damage, when you protect you financial future with an add-on umbrella policy, it can pay the difference between what your primary insurance covers and what you still owe. Get homeowners or automobile umbrella insurance protection today by speaking with one of our licensed insurance agents.

Frequently Asked Questions About Umbrella Insurance

Can I just buy umbrella coverage and ditch my auto insurance policy?

No, you cannot buy umbrella insurance as stand-alone coverage. It is an add-on protection to an existing auto insurance or homeowner insurance policy. One of our licensed insurance agents can help you determine the right amount of umbrella insurance needed to cover your net worth.

Does my auto insurance policy already have umbrella coverage?

Even though you may have extended the maximum liability coverage that your current auto insurance or homeowners insurance pays, in the event of a major accident, umbrella insurance provides extra liability coverage. It is an add-on for your portfolio designed to protect your money and your financial future.

How do I know if I need umbrella insurance?

Umbrella insurance picks up where your other insurance policies stop. So, extending your auto insurance coverage or homeowners insurance coverage protects you from having to pay a large liability settlement out of your own pocket.

My auto insurance has $500,000 in liability coverage. Isn’t that enough?

In the blink of an eye, your misstep could be the cause of an accident with a $1 million in damages and injuries. You likely worked hard for your money and may have carefully planned for your retirement, but a nasty liability lawsuit could mean that you need to come up with $500,000… and fast.

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