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.
An Umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, 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.
Imagine what would happen if you turned your car into a motorcycle, or if your dog was to bite a neighbor’s child. What would happen if you cause an accident that permanently disables a father of two children?
If any of these things happened to you, there’s a good chance your current liability limits wouldn’t be adequate. If a judgement exceeds your liability limit, the courts will then look to your home, retirement savings and garnish your income if necessary.
Once the liability limits are exhausted on your Home, Auto, or other policy, your Umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits are also be available.
Talk with ISU Insurance and Investment Group to determine the right amount of coverage for your needs.
An Umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world. Legal defense fees are also paid.
This "Peace of Mind" coverage is probably more affordable than you think. Talk to us today to find out how to protect yourself, your family, and your future with the right Personal Umbrella insurance for you.