Safeguard Your Future with Personal Umbrella Insurance
At Sterling Meadows Insurance Agency, we understand that peace of mind is invaluable. In today’s unpredictable world, protecting your assets and ensuring your financial security is more crucial than ever. Our Personal Umbrella Insurance policies offer an extra layer of protection, providing you with coverage beyond the limits of your existing policies.
What is Personal Umbrella Insurance?
Personal Umbrella Insurance acts as a safety net, offering additional liability coverage that extends beyond the limits of your existing auto, homeowners, or other liability policies. It protects you from significant claims and lawsuits, safeguarding your financial future in case of unforeseen events.
Why Do You Need a Personal Umbrella Policy?
Comprehensive Protection: An umbrella policy provides coverage for personal injury, property damage, and certain lawsuits. It fills the gap when the cost of a claim exceeds the limits of your primary insurance policies.
Affordable Peace of Mind: For a relatively small cost, you can protect yourself from the financial devastation of a large liability claim or lawsuit.
Coverage for Various Scenarios: Whether it’s a car accident, an incident on your property, or a lawsuit against you, a personal umbrella policy can cover you in many unforeseen situations.
How Does a Personal Umbrella Policy Work?
Primary Insurance Coverage: Your primary insurance policies (such as auto or homeowners) will cover incidents up to their policy limits.
Umbrella Policy Coverage: If a claim exceeds the limits of your primary policy, your umbrella policy kicks in, covering additional costs up to your selected policy limits.
Are there any Exclusions?
Similar to all liability policies, Personal Umbrella policies typically don't cover:
Damage to your own property
Intentional damage - or things you did on purpose such as pushing someone and causing them to fall and become injured.
Get Started with Sterling Meadows Insurance Agency
Protecting your financial future doesn’t have to be complicated. At Sterling Meadows Insurance Agency, our experienced agents are ready to help you choose the right personal umbrella policy to meet your needs. Contact us today to learn more about our comprehensive insurance solutions and how we can help safeguard your assets.
