An Extra Layer of Protection
A personal umbrella policy kicks in to make up the difference in a liability claim against you once you’ve reached the limits or your primary insurance policies. It provides high limits of coverage designed to protect you against catastrophic financial loss. A personal umbrella policy is a single policy that overlays your existing home and auto to protect your assets such as bank accounts, investments, property, and even future earnings.
Some umbrella policies are designed to offer excess coverage above and beyond your primary insurance while others are designed to fill gaps in your existing insurance. Umbrella policies are not without their limitations, but they are known to have fewer and less restrictive exclusions and overall provide broader coverage.
A personal umbrella policy offers coverage typically ranging from 1 million to 5 million dollars. The annual cost for an umbrella policy starts between $150 and $200.
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Personal Umbrella Protection for Coaches and Volunteers
Play Ball and Grab an Umbrella! A new season of youth sports is upon us. It’s an exciting time as some kids transition from one sport to another or they continue on with the one sport they love. As a parent or volunteer, it’s an exciting time as well as leagues and organizations gear up
What is Umbrella Coverage?
Personal Umbrella Coverage Let’s say you have a policy for your home and your family’s cars. You have just the right policy for the apartment you rent out to others as well as coverage for your boating excursions. Your homeowner’s policy even has a special, added protection for the business that your spouse runs out