Personal Umbrella Insurance

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Personal umbrella insurance offers extra coverage above the liability coverage in home, auto and other personal insurance policies. Those policies usually carry liability limits of $100,000 or $300,000, but is that enough? Umbrella insurance adds a layer of coverage of $1 million, $2 million or more, and it isn't just for the ultra-wealthy.

A short hospital stay can easily exceed $100,000 and long term rehabilitation and loss of income can also get into six-figures quickly. If someone is injured in a car accident and you are at fault, or a guest is injured on your home property, monetary damages can add up quickly. You should think seriously about adding umbrella insurance to your personal insurance coverage if:

• You own a home
• You have teenage drivers
• You have a significant income or future earnings potential
• You own a business
• You own a boat, RV or motorcycle

Those are just a few situations that call for extra liability insurance protection, but there are more. To learn about those, contact an umbrella insurance agent at Palmer & Associates today.

Do you have questions about Personal Umbrella?

Contact an insurance agent at Palmer & Associates today to answer any questions about Personal Umbrella or for a free review and insurance quote for Personal Umbrella.