Who Needs a Personal Umbrella Policy?

The answer to that question is anyone who is looking to protect their assets and livelihood, and you will not believe just how affordable this coverage can be.

A traditional umbrella insurance policy kicks-in once the liability coverage limits of a homeowners, renters, condo or automobile policy has been exhausted. In this way, it functions as a shield to protect your home and other assets from the potential claims of people who may become injured in your home or car, and/or whose property you may inadvertently damage.

In the litigious society we live in today, Barton Insurance recommends that everyone secure a personal umbrella liability insurance policy. While you may think that you do not have that many assets to protect, it is your future earning capacity that is the asset that needs to be protected. For anywhere between $150 and $350 annually, you can purchase a $1 million personal umbrella policy.

Insurance companies do require that certain limits be maintained on the underlying homeowners and auto policies before you can purchase umbrella protection. Every case is different and we would be happy to sit down with you and review what coverage options are right for you.

For more information on how a small investment in an umbrella policy could potentially save you thousands down the road, please call Barton Insurance at 603.526.6991.