Personal Umbrella Insurance

Over-Arching Protection

Do you know that your home and auto policy won’t cover everything in the event of a serious claim? For example, if you get in a car accident and a passenger is injured and sues for more than your auto policy covers, you could be responsible for the difference. Don’t let that happen! A personal umbrella insurance policy is an inexpensive way to give you the protection you need – up to $10 million in coverage that protects your home and future earnings.

A personal umbrella policy can also protect you from gaps in your insurance. For example, if you own a dog breed that is excluded from your homeowner’s policy and it bites someone, your homeowner’s policy won’t pay for the person’s medical bills or your legal defense if they decide to sue. In that case, your personal umbrella policy will step in and protect you. It can also pay to defend you against false arrest, invasion of privacy, libel, and slander – all things not covered by most homeowner’s policies.

An Umbrella policy is a good idea if you have:

  • Total assets (not net worth) that are more than your homeowner or auto policy max
  • A swimming pool, trampoline, or pond
  • Vacant land
  • Renters insurance
  • Major renovations
  • High-value cars and/or drivers under the age of 26
  • Pets
  • A long commute to work or school, especially if it is during rush hour
  • A board membership on a charity – corporate board members are protected from personal liability, but charitable board members are not
  • Recreational vehicles like ATVs, watercraft, boats, and golf carts
  • Guests over at your house (or in public space such as a park or clubhouse) frequently

Interested in learning more? We believe our level of service and dedication to our customers truly sets us apart from other agencies. Learn more about personal umbrella insurance by calling our Portland, ME office at (207) 774-6257, our Manchester, NH office at (603) 622-2855 or our Lowell, MA office at (978) 459-0505. You can also fill out the no-obligation online quote form!

Be Covered with Confidence

Worry less, be covered with confidence, and embrace life’s adventures. Request a quote from our team today and get the protection that you deserve.