Comprehensive Protection Against Life's Unexpected Downpours

When surprise accidents and claims occur, it's reassuring to have the shelter of umbrella insurance. Much like an actual umbrella, this policy extends broad coverage, shielding you from a wide range of financial risks and unforeseeable mishaps. While umbrella insurance functions as a form of liability coverage, it does not cover your medical expenses or property losses. What it does cover depends on how you structure it, but typically includes injuries caused in car accidents, injuries on your property, property damage you cause, pet-related property damage, and even legal costs if you face a lawsuit.

Protecting Your Hard Earned Income

Umbrella insurance is a vital safety net for anyone who depends on their income. Consider this scenario: a delivery person slips on your wet sidewalk, sustains severe injuries, and decides to sue. Your homeowners insurance helps but hits its limit. Now, you're liable for an extra $500,000. How long would it take you to cover this from your weekly paycheck? Umbrella insurance steps in to cover these excess amounts, saving you from financial nightmares and legal expenses.

Affordable Protection

Beyond Limits

Umbrella insurance offers extensive protection at an affordable cost, especially when you consider you might never need to make a claim. Your specific pricing depends on factors like coverage amount, carrier provisions, your risk profile, and driving record. You can even save by bundling your umbrella insurance with your home and auto policies. The protection umbrella insurance provides is essential in safeguarding your hard-earned assets and securing your financial well-being against life's unpredictabilities.