A personal umbrella liability policy is written to provide higher limits of coverage, over the limits that are provided on your personal automobile and homeowners insurance policies. Limits for an umbrella liability policy start at $1,000,000 and can be increased to $25,000,000.

You do not need to own a home to qualify for a policy, that is, if you are a tenant and have a renter’s policy, or if you are a condo unit owner, you also qualify for the policy.

As you know, in today’s society, many law suits are filed for the most frivolous incidents; e.g. your child leaves their toy on the sidewalk and someone trips on it. You hit someone with a golf ball on the course or you have a dog, trampoline and/or swimming pool on your property, you are in danger of a substantial lawsuit.

The premium for a personal umbrella policy is not expensive and usually costs under $300 annually for a $1,000,000 policy. Your policy should begin and end on the same dates as your auto and homeowners’ policies. Even if these policies do not have a common expiration dates, they can be adjusted to expire on the same day. Most importantly if you combine your auto, homeowners and umbrella liability policies with one insurance company, you will receive a 20% discount, one bill, with one company, payable on ten {10) monthly installments.

Please call to see how to achieve the savings by combining your auto, homeowner and umbrella coverages with one insurance company.


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