Umbrella Insurance
Umbrella Insurance Quotes
You will never hear someone complain about too much coverage
Umbrella insurance is a good idea for people who are at risk of higher liability claims against them. It can also save you money and be easier to manage than if you were to increase liability limits on another coverage like auto or homeowners.
Another good idea is to hire a sharp agent. Knowing what coverage to carry and consider is a major component of good risk management.
And that’s exactly what we are known for at Insuremart: good risk management. And these facts only strengthen our reputation:
Insuremart has direct access to
over
100
insurance carriers
Nobody can sell for less, and we work for you.
Cheaper liability insurance? Umbrella coverage has one of the best cost to benefit ratios.
Higher liability limits and broader coverage can cost less
Raising your liability limits on your home or auto policy is one option, and so is keeping minimum limits on your home and auto and then supplementing those limits with umbrella coverage. The latter often costs less and provides broader coverage.
Here is an overview of a few extras you may find in an umbrella policy, and our agents will be happy to share more details:
Libel, Slander, and Defamation: Coverage when someone claims you made statements that harmed their reputation. Typical liability policies do not provide protections.
False Arrest, Detention, or Imprisonment: Being wrongfully accused and detained sounds like a nightmare. Imagine the legal costs. Umbrella insurance can cover legal costs and damages.
Invasion of Privacy: Coverage for claims against you of unauthorized use of someone’s name or likeness, or what’s considered invasion of their privacy.
Good to know: Insuremart works with over 100 insurance carriers. Nothing gives you an advantage when buying Umbrella insurance — or any insurance — like a great agent and more options. Talk to our agents.
Umbrella insurance limits
Typical umbrella insurance limits range between $1 million and $5 million. Higher limits are available from fewer providers as limits reach the $10 million or even $100 million range.
Your agent at Insuremart will have access to insurance companies that offer those limits. They are the best qualified to match your risk profile to quality insurance providers.
Do I need umbrella coverage? For some people, yes.
Consider your risks and what your current liability limits would cover.
Do you own a swimming pool? Trampoline? Are you in a high-income bracket? Kids who drive?
If you own a swimming pool or trampoline, no matter how carefully you secure them, you are at a greater risk of someone coming on your property and getting severally injured or even worse. It doesn’t matter who was or wasn’t supposed to be there. It’s your responsibility. Don’t overlook umbrella coverage.
High income individuals have more to lose, which means the higher limits provided by an umbrella policy should be a consideration.
Regarding young drivers, they are more likely to cause an accident. That means greater risk, and with that comes a decision on limits. Talk to one of our agents for help on what’s right for your family.
Get an Umbrella insurance quote from Insuremart right now. Our agents are ready to help.