An umbrella policy provides an extra layer of liability protection beyond the limits of your home, auto, and other underlying policies. If you have assets to protect, umbrella insurance is one of the smartest investments you can make.
Umbrella insurance kicks in when the liability limits on your underlying policies (homeowners, auto, etc.) are exhausted. For example, if you cause a serious car accident and the damages exceed your auto policy's liability limit, your umbrella policy covers the difference. It also covers certain claims that your underlying policies may exclude, such as libel or slander.
Anyone with significant assets, investment properties, a high public profile, or a lifestyle that increases exposure (pool, trampoline, teen drivers) should seriously consider umbrella coverage. Policies typically start at $1 million in additional coverage and are surprisingly affordable relative to the protection they provide.
Many carriers offer umbrella policies at discounted rates when bundled with your home and auto. Safeshield evaluates your full portfolio to find the most cost-effective way to maximize your liability protection.
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