An umbrella policy is essential because it kicks in when your basic liability limits are exhausted. In the event of a major accident or a liability lawsuit, you’ll be grateful for this extra layer of protection.

Protecting Your Hard-Earned Assets

Imagine these scenarios: A pedestrian suddenly steps into traffic, a motorcycle unexpectedly swerves into your lane, or a guest injures themselves on your property. You could be held responsible for such unforeseen events, and the resulting lawsuit could threaten everything you’ve worked hard to build. This is why many people are opting for personal umbrella policies, offering added protection and peace of mind through umbrella policy protection.

Affordable Premiums, Substantial Coverage

Normally, for less than a dollar a day, you could secure an additional $1 million in extended liability coverage, with options for up to $10 million. In a society where multimillion-dollar judgments are common, this affordable coverage is indispensable. Most umbrella policies provide additional coverage for:

• Bodily injury and property damage exceeding your auto liability limits.

• Bodily injury from accidents on your property that surpass your homeowner’s liability limits.

• Libel or slander judgments against you.

• Excess uninsured and underinsured motorists coverage.

Excess Uninsured and Underinsured Motorists Coverage

In addition to the standard coverage, umbrella policies often include excess uninsured and underinsured motorists coverage. This means if you’re involved in an accident with a driver who has insufficient or no insurance, your umbrella policy can provide the necessary protection. This additional coverage ensures that you and your passengers are financially protected, even when the at-fault driver is not adequately insured.

Peace of Mind

In the blink of an eye, a multimillion-dollar lawsuit could wipe out the value of your home, car, property, savings, investments, and income. An umbrella policy can protect your assets and prevent financial hardship, offering broader coverage if you’re sued and peace of mind knowing you’re protected by umbrella policy protection.

Conclusion

Protect the life you live. A costly accident doesn’t have to cost you everything. With an umbrella policy, you can safeguard your assets and ensure your financial security, including protection against uninsured and underinsured motorists, all through comprehensive umbrella policy protection.

Contact Us

If you have any questions or need more information about umbrella policy protection, feel free to Contact Us. We are here to help you every step of the way.