Personal Umbrella Insurance
While we can’t always change the outcome of an accident, but we can avoid any accompanying financial catastrophes with the extra protection offered by a personal umbrella policy. Even though the coverage provided by your home and auto insurance policies will protect you in the event of personal injury to others, a Peppler Insurance Group umbrella policy will pick up where the limits of your primary policies end.
What Does This Extra Protection Include?
Discuss your options with our knowledgeable professionals who offer personal umbrella coverage for:
- • An additional limit (in millions) of protection that extends beyond limits of your primary home/auto/yacht/motorcycle
- • Personal injury including defamation of character, libel-slander, and provides for many perils outside of underlying policies
- • Legal defense coverage gives you financial protection by defending suits, even if allegations are frivolous
- • Customized coverage options for maximum protection of your assets
When is Personal Umbrella Insurance Necessary?
Increased costs for medical care and rising rehabilitation costs can add up quickly. If you are involved in a serious accident and found to have been negligent, umbrella liability will protect you from financial disaster.
Consider Peppler Insurance Group Umbrella Insurance for:
- • Additional protection over and above the homeowner’s policy as the Umbrella broadens your Homeowners liability by including exposures not covered by H.O.
- • Additional limits of liability resulting from the ownership, use or maintenance of motor vehicles
- • Added piece of mind, if you are not the sole driver of your vehicle, you remain responsible as an owner
- • The broadest form of liability insurance to protect and preserve your personal and business assets
- • Increased liability protection for your boat, motorcycle, RV or other vehicles
Determining how much coverage you need depends on many variables but begins primarily with your comfort-zone. Umbrella insurance increases the cash payout of liability coverage for all primary policies and can also be tailored to cover claims that your existing policies exclude. Depending on the use or ownership of more hazardous assets or activities, from having an in-ground pool to hobbies like hunting, gun ownership or CCW license, Peppler Insurance Group specialists are trained to ask probing questions that will get you thinking about your personal life-style, leading to a sound understanding of issues that should impact your logic to assist you in determining a need for extra umbrella protection. It's important to get a quote to compare rates from a select group of Best A rated carriers to help you perform a cost/benefit analysis if you have not been carrying this cost-effective, vehicle of securing your assets and increasing certainty within your portfolio of insurance contracts.
With so many possibilities for umbrella insurance it is no surprise that most people don’t know where to start. We can guide you through the process and clearly explain the most important options open to you. Contact us to find out what we do best at Peppler Insurance.