Why You Need an Umbrella Policy

Ask us whether you need an umbrella policy—additional personal liability insurance beyond that included in your home or auto policy—and the answer is likely to be a resounding “yes.” This protection against economic disaster should be a fundamental element of your insurance package. Contact United Insurance, our Amherst, New York, agency. We will be happy to discuss your exposure, explain possible consequences of living with that risk and provide a quote for an umbrella policy.

Umbrella Insurance Features and Covered Items

Umbrella policies, also known as excess liability coverage, provide protection against possibly devastating economic losses. The excess liability coverage activates when the personal liability coverage in your home or auto insurance policy is exhausted. It also covers situations not covered under your home insurance at all. Examples include the following:

  • A visitor on your property slips and falls on your sidewalk
  • Your dog, on or off your property, bites a child
  • A member of your family is held responsible for a serious auto accident
  • You are involved in a crash while driving a rental car
  • Defense against a lawsuit requires attorney fees and other legal costs
  • You are sued for libel or slander, liabilities not covered under your homeowners policy
  • As a teacher, you are required to carry $1 million in personal liability insurance

Do you need an umbrella policy? If you have one, have you reviewed it recently to make sure you aren’t underinsured? A personal insurance specialist will help you find a policy that fits your needs and your budget.

Comparing Insurance Quotes from Major and Regional Carriers

As independent insurance agents, we work with a number of regional and national insurance carriers. This allows us to compare features and rates across the industry to find the policy that is best for you. Contact us online or call our Amherst office at 716-632-6118.