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What is Umbrella Insurance? Do I need it?

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Did you know that over 41,000 lawsuits are filed EVERY SINGLE DAY in the United States?

We live in a very litigious society and courts award hundreds of millions of dollars in damages daily. An Umbrella policy protects you from having to pay a large judgement out of your savings, assets or even future earnings through wage garnishment.

What is Umbrella Insurance?

Umbrella insurance is meant to help protect you from large and potentially devastating liability claims or judgments. Personal umbrella coverage comes into play when your underlying liability limits (such as from a homeowners or auto insurance policy) have been reached.

Consider this scenario: You’re sued for $1 million after an auto accident or an incident on your home or property. But your insurance only covers up to $250,000 in damages. Who’s responsible for the other $750,000 if you’re ordered to pay it? You are — unless you have Personal Umbrella insurance.

Who Needs Personal Umbrella Coverage?

Personal Umbrella insurance isn’t just for the wealthy. It’s for everyone. That’s why we offer comprehensive and affordable protection.
If you drive a motor vehicle or you own a home or condominium, you’re vulnerable to legal action and large judgments. If you have an ATV, RV, boat, or motorcycle, your need for extra protection is even more important.

Did you know that most $1 Million Personal Umbrella policies cost under $200/year?

Give us a call at 480-830-1800 or request a quote online.

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