Underlying policies
Bring your auto, home, renters, or other relevant policies to a coordinated review.
Umbrella insurance
A wider perspective.
An extra conversation.
When you think about protecting your future, it can help to look beyond the liability limits of a single policy.
Request a quoteYOUR LIFE, UNDERSTOOD
Consider the bigger picture of liability.
Umbrella insurance is a way to discuss additional liability protection alongside underlying policies. It is important to understand which policies must be in place and how their limits work together.
Details worth discussing.
Additional liability limits
Discuss the protection an umbrella policy may provide above underlying limits.
Defense and exclusions
Ask which defense costs and situations are included or excluded.
Household exposures
Share property, drivers, recreational activities, and other responsibilities that deserve a review.
These are general discussion topics. Coverage, availability, limits, deductibles and exclusions depend on the policy and insurer.
A LITTLE PREPARATION
Start with what you know.
- Current liability limits
- Policies you would like reviewed together
- Household drivers and properties
- Questions about additional protection
You can start with general details. An agent can explain which additional information is needed for an application.
A little clarity.
Does umbrella insurance replace home or auto insurance?
No. It is considered alongside underlying coverage and may have requirements for the policies and limits you maintain.
Will an umbrella policy pay for damage to my own home?
Umbrella insurance addresses liability. It is not a substitute for coverage for damage to your own home, car, or belongings.
YOUR NEXT CHAPTER
Let’s consider what’s next.
Start with a short request or a conversation with our team.