Umbrella Insurance

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    Coverage for the unexpected

    Umbrella Insurance

    Coverage for the unexpected

    Accidents happen. And, in some cases, they can be incredibly costly, especially when you’re at fault. Safeguard your financial future with an umbrella policy that expects the unexpected.

    Why You Need It: 

    Most home and auto policies don’t carry the level of protection you need to cover expenses from a serious accident or lawsuit in which you’re deemed responsible. Any damages that exceed your policy will require out-of-pocket payment, which could be devastating to your finances. An umbrella policy is an additional layer of financial protection, picking up where your standard policies leave off.

    An umbrella insurance policy can cover:

    • Injury to others
    • Property damage
    • Attorney fees
    • Lost wages
    • Lawsuits related to slander, defamation of character

    Ready to get started? We’re here and ready to help! Complete the quote request form above or call (833) 464-8046.

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    Umbrella Liability Insurance

    Umbrella Liability Insurance FAQs

    An umbrella policy provides excess liability coverage above the limits of your home, auto or renters insurance policies, protecting you against catastrophic liability losses that are above normal policy limits. This ensures you are protected in worst case scenario liability losses.

    We recommend that all insureds carry as much liability insurance as they can reasonably afford. Accidents happen, and if you are at fault in an accident that causes injury, permanent disablement, or death the damages can be in the millions of dollars. Normal liability limits are not sufficient for these types of losses. If you have enhanced risk exposures such as youthful drivers, rental properties, attractive nuisance on property such as a trampoline or swimming pool then we highly recommend an umbrella.

    A reasonable recommendation is to carry enough coverage to protect your assets such as cash, retirement savings, real estate equity, etc. However, you should also consider protecting your future income as well, since wages can be garnished to satisfy injured parties. The minimum umbrella limit is usually $1 million. Many people purchase at this level and that is a great choice! Your premium will increase with higher limits. Of course, higher limits cost more premium, but depending on your risk exposure and assets, you may select more coverage. Most carriers will offer options from $1-10 million.

    Umbrella policies can be surprisingly affordable, they provide some of the best value in the industry for pure liability protection. They are usually priced very simply based on your risk factors. Quotes are very easy and quick to provide so don’t hesitate to ask your licensed QuoteSavant expert!