Umbrella/Excess Insurance

Homeowners, auto, and watercraft policies have a limit on liability insurance. If an unfortunate accident should happen that is your fault, do you have enough liability insurance from your current policies to cover your costs for negligence? Since no one can predict how much a judge may award an injured person, umbrella insurance is not just for the wealthy anymore, but a needed protection for every policyholder.

Umbrella insurance is designed to give you added liability protection above and beyond the limits on homeowners, auto, and watercraft personal insurance policies. With an umbrella policy, depending on the insurance company, you can add an additional 1-5 million in liability protection. This protection is designed to "kick-in" when the liability on other current policies has been exhausted.

A personal liability umbrella insurance policy can give you added liability protection without a large added cost. Additional liability insurance is often inexpensive, especially compared to the added coverage gained. Finally, liability insurance covers your non-business activities anywhere in the world.

Contact Melissa for more information. Just click on the link to the right -- she'll be happy to answer any questions you may have!

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