Personal Umbrella Insurance
You don’t have to be a millionaire to be sued like one. Million dollar judgments are not that rare anymore. We highly recommend you carry a personal liability umbrella in the amount of at least $1 million and consider up to $5 million. Personal umbrella protection protects your liability not only while driving a vehicle but also includes slander, defamation, and other important personal liability coverages that you may not even be aware of. Did you know an umbrella policy can extend liability for hitting a golf ball and doing bodily injury? Did you know that your umbrella policy can protect you while you’re a pedestrian or riding in someone else’s vehicle? Did you know it will also protect your children while they’re riding in other others vehicles? If you have young drivers in your household you are financially responsible for actions such as texting while driving and you are entirely responsible for all damages. Umbrella coverage extends to your household members.
Also our umbrella has an option that we highly recommend. It is called Under and Uninsured Motorist Coverage. This coverage will protect your bodily injury in the event you’re hit by someone without liability coverage or limits under $1 million. Most agents, most companies, never discuss this very important coverage. Our agents will not only explain the coverage but why it’s necessary and is a tremendously good choice for your protection and peace of mind.