Umbrella Insurance

Are you protected from unfortunate accidents that may result in a lawsuit?

Today, lawsuits are everywhere. Jurors are awarding larger and larger amounts of money. Homeowners and auto policies have a limit on liability insurance. If an unfortunate accident should happen that is your responsibility, do you have enough liability insurance from your current policies to cover your costs for damage or negligence?

Picture this…

  • Your dog bites and seriously injures a child. You are liable for the extensive medical expenses.
  •  Your neighbor falls in your yard and successfully sues you for $2 million. But your homeowners insurance tops out at $500,000.
  • You are at fault in a major car accident, harming several people and causing damage well in excess of your $300,000 car insurance coverage limits.

Umbrella insurance is designed to give added liability insurance above and beyond the limits on homeowners, auto, and boat insurance policies. With an umbrella policy, depending on the insurance company, one can add an additional $1-10 million and beyond in liability protection. This protection is designed to “kick-in” when the liability on other current policies has been exhausted.

Umbrella policy rates are lower than you may think. With one quick phone call, you could get the protection and peace of mind that you need.

Learn more

  • Personal Umbrella Liability Basics It’s an unfortunate fact that accidents happen—and it’s not uncommon for jury awards and out-of court settlements to run into the millions. While it’s difficult to pinpoint the monetary consequences of the risks you and your family take each day, are you certain your current liability insurance offers you enough protection? For example, what if: Your teenager ...

What Our Customers Say…

Customer Testimonial

Surely, one can hardly fathom the complexities of a near total loss event.  Amid the chaos and devastation, Erie has emerged to demonstrate keenly, their commitment to their policyholders.  I would be remiss to not proselytize and herald the swift actions of Erie (Jeff Carter) who arrived at my home 40 minutes into this catastrophe and stayed with us until 1:30a to ensure all our questions were answered and immediate needs attended.  Fast forward, 40 days later, Michael Hassan continues to be the effectual Erie steward – demonstrating poise, efficiency, attentiveness and sense of community.

Bill “Skip” Powers, PhD