Umbrella INSURANCE

Personal Umbrella Insurance

In today’s world, anyone can face a lawsuit, even if you’ve done nothing wrong. That’s why it’s more important than ever to consider adding an umbrella policy as an extra layer of protection for your assets – and your peace of mind.

Additional Coverage and Higher Limits at an Affordable Price

The more assets you own, the more vulnerable you could be. Lawsuits are common and legal costs to defend a suit may be capped to the limits of your underlying policy. Judgments could be substantial; so, personal excess liability insurance could be financially valuable and provide reassurance. 

Personal excess liability policies are designed to provide coverage under the following circumstances, when:

• Injuries are sustained by others in the insured’s home or property and the damages exceed the underlying homeowners policy’s liability limit
• An accident involving the insured’s automobile, boat, or recreational vehicle causes injury to a third party or loss to his/her property with the damages exceeding the insured’s underlying policy limit.
• Judgments exceed the insured’s current coverage limits.

What is Not Covered by An Umbrella Policy?

Generally, damage to your own personal property is not covered under a personal umbrella policy.

Give us a call (914) 693-3500 today to learn how we can protect what you value most!

Get a Personal Insurance Quote Today!