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