Personal Umbrella Insurance Agency
Serving Northern NJ
You don’t have to be a millionaire to be sued like one. To further protect your assets, there’s umbrella insurance. A personal umbrella policy is liability coverage that provides an extra measure of security beyond the normal liability limits on your personal auto insurance, homeowner's, boat, motorcycle, or dwelling policy. You might ask, how might something like this happen? For example, a guest in your home accidentally slips and falls. Or your teenage son causes a terrible accident on his way home from school. Personal umbrella policies provide an extra cushion. Because the majority of claim risk is paid by your primary auto or home policies, personal liability umbrellas are relatively inexpensive. Make sure you’re protected from the unexpected. Pick up a $1MM policy for as little as $150/year!
When choosing the right personal umbrella policy, here is what you need to consider:
What You Need to Know
Why Every Policy Holder Needs a Personal Umbrella Policy
Call us today at 973-635-9494 to find out more information or submit a free personal umbrella insurance quote request through our website.
Providing quality, affordable umbrella insurance to the residents of Chatham, Madison, Summit, Livingston, Florham Park, Springfield, Short Hills, Morristown, Berkeley Heights, Millburn and all of Northern NJ.
What You Need to Know
Every time someone gets behind the wheel of your car, they are driving around with all of your personal assets in the trunk. Here are some things you need to consider about your personal umbrella or excess liability policy:
- Your legal liability exceeds the limits of your primary policy. What happens now?
- You own a small business. Can you afford to protect your family and home from a lawsuit?
- Who is responsible for an accident while you are out of the country?
To find out the answers to these questions and to learn more about personal umbrella policy or excess liability insurance, call us today at 973-635-9494 or submit a free quote request online.
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Why Every Policy Holder Needs a Personal Umbrella Policy
You may be asking yourself, what do I have to lose? The answer is simple: your home, your savings, everything. A personal umbrella policy can help you protect it all.
Contrary to popular belief, these policies are not just for the very wealthy. Today, lawsuits are everywhere, and lawyers are awarding larger amounts of money than ever before. Do not assume that your auto and homeowner’s insurance coverage provide you with enough liability protection. If you have significant assets it is absolutely necessary that you consider additional insurance coverage. A serious personal injury can leave you exposed to a financial revelation over and above your ability to pay.
There are certain other factors in your life that may create a higher need for a PUP. For example, if you have young drivers on your auto policy, or if you volunteer within your community, you could bear some risk of liability.
But here’s the silver lining. An excess liability insurance policy can provide you with extra protection without a large added cost. Personal umbrella policies are often inexpensive, especially when compared to the added coverage one gains. Additionally, liability insurance covers one’s non-business activities anywhere in the world. Having the added coverage of an umbrella policy is protection no one should go without.
Don’t wait until it’s too late. Contact us today about your personal umbrella policy or submit a free quote request through our website.
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