You don’t have to be a millionaire to be sued for millions of dollars.  An umbrella policy provides the extra protection you may need in life’s unplanned detours. 

Imagine:

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  • You look away from the road for two seconds and cause an auto accident and are sued.
  • A neighbor is injured on your property and sues you.
  • A wind storm causes a tree to fall causing damage to a neighbor’s car or home. 

   

While your homeowners policy or auto policy may cover some of the costs incurred from each of these events, it may not be enough.  Suppose in the above auto accident the settlement (or judgment) totals $900,000 but your auto liability coverage is only $300,000?  Your insurance company would pay the $300,000 but who pays the other $600,000 that is now owed?  Worried?  You don’t have to be. 

Umbrella policies normally range from $1,000,000 on up to $5,000,000 in increments of 1 million.  For this amount of coverage it usually will only cost you an average of $150 a year.  Call us today and let us give you the peace of mind you deserve!