Personal Umbrella Policy

Home and Auto Insurance is a necessity. However, sometimes you also need an extra layer of liability protection for your assets if there's ever a serious auto accident or accident on your property. Otherwise, you could be held liable for more than your current auto or homeowner’s coverage limit can provide. Personal Umbrella Insurance is designed to give the named insured coverage for catastrophic events where a legal award could exceed the limits of your primary liability insurance.

WHY IS PERSONAL UMBRELLA IMPORTANT?

In today's world with large judgments and awards, a Personal Umbrella is a must for anyone who drives a car, owns a home or has assets which would be subject to financial loss.

Personal Umbrella Coverage:

Personal Umbrella liability provides coverage over all other liability insurance, such as a person's homeowners, automobile, boat, etc. The Umbrella limits typically range from $1,000,000 to $10,000,000 and extend coverage when the primary liability insurance is depleted.

The Personal Umbrella Policy provides coverage for not only you but also your spouse and any relatives living in your household as well as anyone insured by your primary policies. Also included is coverage if you are sued for false imprisonment, wrongful eviction, libel, slander, defamation of character or invasion of privacy. Additional coverages can also include the cost of the insured's legal defense, including court costs, interest on judgments and premiums on specific bonds.

Umbrellas Policies are typically inexpensive in comparison to the limits provided on the coverage, and premiums are based upon exposures such as the state in which you live, the number of homes, cars/drivers, etc.

DISCOUNT BUNDLE

You can earn a discount if you bundle up your Umbrella with your Auto, Home, Boat and/or ATV Insurance with The Sarrica Group Inc. Ask our agents about how you can save money today!!!