Covering what matters Starting at $10/Month

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What is an Umbrella Liability policy?

An Umbrella Liability policy is extra liability insurance coverage that sits above the current limits of your property, auto, or recreational insurance policy. This policy provides additional liability coverage for those who are at risk of being sued for damages to other people’s property or injuries caused to others in an accident.

As your Hometown Broker-we take great pride in assisting our valued clients at a time when you need us the most-the claims process! A trend that we are seeing with claims being reported is a significant increase in the frequency and severity of liability claims. An example of a liability claim is a lawsuit following an auto accident, a slip and fall on your property or property damage you may inadvertently cause. These claims are happening much more frequently and more expensive then ever before. If the lawsuit is settled for more then the liability limit on your policy-you would be responsible to pay the difference either up front or through court ordered garnished wages.

We are starting to see the common limits of liability of $1,000,000 or $2,000,000 in many cases simply not be enough and feel there is significant value in increasing this in the form of an Umbrella liability policy!

Benefits of having an Umbrella policy:

  • Provides extra liability in the event you are sued for Bodily Injury or Property Damage
  • Extends Automatically to your property, auto(s) & recreational policy(s)
  • Covers all named insurers of the policy and dependents
  • World-wide coverage
  • Protects against libel, vandalism & slander

Cost of having an Umbrella policy:

An umbrella policy extending an additional $2,000,000 of liability to two vehicles and a property insurance policy costs only on average starting at $10 a month.

Why Have an Umbrella Policy

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