Discover why you need Umbrella Insurance
Protect your bank account from unexpected claims that could ruin you financially
LAWSUIT PROTECTION UP TO 5,000,000
Protect Against Future Wage Garnishment
What is an Umbrella policy?
An umbrella policy is insurance protection that provides an additional layer of liability coverage above your primary liability limits on your home, cars, boat, motorcycle, golf cart and rental properties
Your underlying policies must have the required liability limit to qualify for an umbrella policy
Your home must have 300,000 of liability
Your car insurance must have 250,000 of liability but we do offer a policy that excludes car liability if you believe 250,000 of liability is too expensive
Boat, Motorcycle, Golf Cart and Rental properties must have 300,000 of liability
Why you need to buy an umbrella policy now?
A common myth is only rich people need an umbrella.
If you drive a car or own a property you need a personal umbrella liability policy because an unexpected accident can cause great financial harm to your bank account
The policy coverage options you can buy start at 1,000,000 as low as $365 a year
Depending on your net worth you can purchase an umbrella policy up to 10,000,000 of liability
Real Life Examples of people who thought it could never happen to them?
CAR INSURANCE
A dad is taking his son’s friends to the movies and it is raining. He loses control and strikes a telephone pole injuring one of his son’s friends in the back seat. Multiple surgeries are performed on the 12 year old. If the court judgement for damages is 1,0000,000 the dad’s car insurance limit of 100,000 would pay towards the judgement and the dad’s bank account would be responsible for 900,000 to the family
HOMEOWNERS INSURANCE
A party in the backyard and a guest trips over a loose brick and injures an ankle. He says he is “fine” and the next day can’t walk. He misses a month of work and has to have surgery. Our home owner receives a demand letter from an attorney for 750,000.
If our home owner only has 300,000 of liability, our home owner’s bank account would be responsible for 450,000
PERSONAL INJURY
Libel and Slander are covered under an umbrella and if you or a family member decides to repeat a rumor on social media or speak ill of someone a defamation claim can be made against you (not all home insurance policies include personal injury)
GOLF CARTS, BOATS, SWIMMING POOL
Most claims involving a golf cart, boat or swimming pool can exceed the available liability on the policy and injuries can be severe so if you own a golf cart, boat or a swimming pool you need to get an umbrella policy for when an unexpected injury occurs
Why our Personal Umbrella policy is your best option
$1,000,000 to $10,000,000 protection
A Rated by AM Best Financially Stable Insurance Companies
You can keep your current home, car and other policies with your current company
You can add rental properties owned in an LLC
Exclude auto liability and choose property only option
Coverage extends to all 50 states
Young drivers acceptable
Brad, real estate investor
I was able to add 4 rental properties owned in a different LLC to my personal umbrella policy to cover my cars, home, boat and rentals
Myra, retired Nurse
After meeting with my financial advisor he told me my liability limits were too low. I was able to get 1,000,000 of coverage on my home, cars and golf cart for $587 a year
John, Civil Engineer
My CPA recommended I increase my liability on my car insurance policy from 100,000 to 250,000 so I could qualify for a 1,000,000 umbrella for $350
LAWSUIT PROTECTION YOU NEED
UP TO 5,000,000 LIABILITY PROTECTION
STARTING AT $350
Get MORE Liability Insurance Coverage to protect your bank account
Fast affordable insurance coverage from A rated Insurance Companies in Louisiana, Mississippi and Alabama
Office
201 Evans Rd
Harahan, La 70123
Hours
Mon-Fri: 9am – 5pm
Via Email
tim@fmagencygroup.com
liz@fmagencygroup.com
service@fmagencygroup.com
Via Phone
Tel: 504-348-3131