Umbrella Insurance

An extra layer of protection when you need it.

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Umbrella insurance throughout Central Pennsylvania.

Most home and auto policies have limits for what they pay out per event.  If you find yourself in an insurance claim or lawsuit that exceeds your coverage, you could experience severe personal financial loss.  We can help insure your financial future and provide ultimate peace of mind at home, and on the road.

Umbrella insurance is simple extra liability, usually for your car and home, for added peace of mind.

Most commonly, umbrella insurance is something you get in addition to either a car insurance or homeowners insurance policy.

Umbrella insurance has to do with liability. That is the cost you would have to pay to somebody else for an unfortunate event where you are held responsible. It doesn’t usually include losses you bear yourself, such as if your property is damaged or your possessions are stolen.

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Which insurance solution is right for your family?

Explore how having the right insurance can protect you from the unexpected.

Umbrella
Property Damage Liability
Risk Factor

You can be held responsible if you significantly damage another vehicle and/or property. Do you have enough coverage to protect yourself from the risk?

Solution

Your standard auto policy limit could easily be exhausted if you are found to be at fault. An umbrella or excess liability policy provides an extra layer of protection once your standard liability limits are exhausted. It’s a cost-effective way to ensure the peace of mind you deserve.

Bodily Injury Liability
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into a pedestrian, bicycle, or another vehicle. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

An umbrella or excess liability policy helps extend your coverage to better protect you against these significant costs. It’s the ideal coverage to provide peace of mind, even when the unthinkable happens.

Lawsuits
Risk Factor

You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?

Solution

An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies - providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Watercraft Liability
Risk Factor

Accidents can happen to anyone at any time, even those who have been out on the water for years. Personal watercraft insurance is a necessity, but sometimes the limit these policies provide isn't enough.

Solution

Your standard watercraft policy limit could easily be exhausted if you are found to be at fault for property damage or personal injury. An umbrella or excess liability policy can extend those limits, providing you an additional layer of financial protection.

Umbrella insurance comes in handy when you have a main policy with limits that are too low for your comfort. It kicks in and pays out when your main policy is paid out in full, and only covers what costs are leftover.

For example, if your auto policy covers liability up to $500,000 but you cause an accident that leaves the other driver with medical bills of $600,000, your main policy will pay out in full, and the umbrella insurance policy will kick in for the remaining $100,000.

There are limits with umbrella insurance as well, but this is not usually an issue.  They are also cheaper than commonly believed.  It covers a lot of different payout scenarios, but since it stacks on your existing insurance, the premium usually reflects the lowered chances of a payout ever happening.

Talk with us about adding a cost-effective umbrella insurance policy to your account. It’s easy and provides the additional protection needed to protect you and your family.

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