Umbrella Insurance

from Kessler Alair Insurance Services

Umbrella Insurance

Personal Umbrella Policy = Peace of Mind

To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy.


 

What's Peace of Mind Worth to You?

An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your homeowner insurance, auto insurance, or other underlying insurance policies, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal compared to the comfort of knowing you're covered.

Do You Have Enough Liability Insurance?

Imagine if your dog were to bite a neighbor's child. Or if there's an accident on your rental property. Or a fire in your condo spreads to other units. What would happen if you or a family member missed a stop sign and struck and killed a pedestrian? If any of these things happened to you, there's a good chance your current liability limits wouldn't be adequate to protect your assets — or your future earnings.

Liability Insurance Starts When the Others Stop

Once the liability limits are exhausted on your home insurance, auto insurance, or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available.

Broad Coverages

Some umbrella insurance policies may also pay claims not covered by your home, auto, or other underlying insurance, though most umbrella policies follow the underlying coverage. The policy covers not just you but your spouse and all family members living in your household anywhere in the world. Some legal defense fees are also included with this important coverage.