Personal Umbrella Insurance Coverage
Excess Coverage Once Home & Auto Liability Limits are Reached
While you may think that you are fully protected under your homeowner's or automobile insurance policy, what happens if an accident occurs and the amount covered under these policies is not enough? Fortunately, with a personal umbrella insurance policy in place, this will not be something that you need to worry about any longer.
About Umbrella Insurance
Personal umbrella insurance pays for damages and incidents when the liability limits from your other policies have been reached. Many people consider personal umbrella insurance to be the best value available in insurance today, and for a nominal amount, you can have excess coverage against all types of potential exposures.
Purchasing a personal umbrella insurance policy may be especially important if you:
- Have assets that you would like to protect
- Have a young driver in your home
- Own a dog
- Have sizeable earnings or a high-profile career
- Own a swimming pool
- Serve on the board of a non-profit organization
In today's society, there are a vast range of unanticipated situations that could trigger a lawsuit being brought against you. While these lawsuits are often not based on any legitimate grounds, simply defending yourself against them can lead to substantial costs. By thinking ahead and covering yourself with a comprehensive insurance policy, you can make sure that these potential issues will be taken care of financially.
Let Our Insurance Agents Protect You!
At Insurance Specialists, Inc., our insurance agents are committed to ensuring you are protected against liabilities that may arise in excess of your current home and auto policy limits*. We will take the time to better understand the needs and goals that you have, and provide solutions that are customized to your specific situation.
*Not all products on this page are available to all Participating Associations.Check your specific association page for a reference of your association's products.
Contact us now at (888) 451-0883 to speak with a professional representative about personal umbrella insurance!
Our Testimonials
Past Members Speak Their Mind
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"I appreciate your guidance in getting the best plan in place."First, I would like to thank you for your assistance in obtaining a $100,000 life insurance policy which is a better plan for me. Jane Corbett, my sister, has been corresponding with, per my authorization. She mentioned to me that you had e-mailed her regarding the cancellation of the $25,000 Policy # MET-2-1543 and $29,000 Policy # MET-2-387 or to just let them lapse. Since the replacement policy of $100,000 is now in place as I received the MetLife Certificate Confirmation Statement along with my Certificateholder Benefit Plan, I am authorizing the cancellation of the two above mentioned policies. Again, I appreciate your guidance in getting the best plan in place.R.L.
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"I really appreciated your explanation regarding our benefits as well as some of the nuances of the policies."Thank you for your time this morning during our discussion about my insurance policies. Peter and I really appreciated your explanation regarding our benefits as well as some of the nuances of the policies. What a treat compared to some responses we've gotten over the years - thank you! Hope you had a good rest of the day and that you have a nice week. And thank you in advance for putting together our policy information to send via USPS. Much appreciated!B.M.
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"I can’t think of any other time I’ve had an assignment executed so quickly."Wow. I can’t think of any other time I’ve had an assignment executed so quickly, never mind having two all done! You are definitely the man, Mike. Much appreciated…L.K.
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"Thank you for helping me!"Thank you for helping me! It is nice to have a knowledgeable local agent and your process is so much more convenient than what I’ve been dealing with for so many years. Thanks again.J.T.
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"I certainly wish there were more dedicated insurance agents like you."I certainly wish there were more dedicated insurance agents like you. I will always want to keep this life insurance for myself and my husband. I guess I need to add a second beneficiary so the benefits won’t be paid to my estate in the event my husband has died before me. Thank you.M.P.
