YOUR liability / umbrella POLICY
Umbrella Insurance provides additional liability coverage over and above coverage provided by your homeowner and auto policies.
Liability pertains to the money you may have to pay to somebody else in the event that you are found responsible in an insurance bodily injury claim. It applies to the bodily injuries of others.
Umbrella insurance is an important type of insurance to have when your main insurance policy has liability coverage limits that are too low for your needs.
For example, if your auto policy covers liability up to $500,000 but you cause an accident that leaves the other driver with medical bills of $600,000, your main policy will pay out in full, and the umbrella insurance policy will kick in for the remaining $100,000.
The umbrella insurance policy itself will have its own limit, but this is less likely to be an issue.
Talk with us about adding a cost-effective umbrella insurance policy to your account. An umbrella insurance policy can be cheaper than you might think. While it covers large potential payouts, the premium usually reflects the reduced risk that the policy will need to pay out.
It’s easy and provides the additional protection needed to protect you and your family.