Personal Umbrella Insurance
Protect Your Future with Personal Umbrella Coverage
Protect Your Future with Personal Umbrella Coverage
Life is unpredictable, and sometimes accidents can lead to costly lawsuits or expenses that exceed the limits of your standard insurance policies. That’s where personal umbrella coverage comes in. At Absolute Insurance, we provide affordable and comprehensive umbrella insurance to protect you when the unexpected happens.
What is Personal Umbrella Coverage?
Personal umbrella insurance provides an extra layer of liability protection beyond the limits of your auto, home, or other personal insurance policies. It acts as a financial safety net, ensuring that your assets and future are protected from major claims or lawsuits.
Key Features:
Extra Liability Protection: Coverage starts where your standard insurance policies end.
Broad Coverage: Protects against a wide range of personal liability scenarios, including legal fees and damages.
Worldwide Coverage: Offers protection whether incidents occur at home or abroad.
Why Do You Need an Umbrella Policy?
Standard insurance policies have limits, and serious accidents or lawsuits can quickly exceed those limits. Personal umbrella insurance is designed to cover:
Legal Costs: Defense fees, court costs, and settlements.
Damages: Medical expenses or property damage exceeding your policy limits.
Additional Risks: Situations like defamation, libel, or slander lawsuits.
Real-Life Scenarios:
You’re at fault in a serious car accident resulting in multiple injuries and property damage.
A visitor is injured on your property, and medical bills and legal claims exceed your homeowner’s insurance.
You are sued for an online comment that leads to a defamation lawsuit.
How Does Personal Umbrella Insurance Work?
Primary Coverage: Your existing auto or homeowner’s policy covers the initial liability up to its policy limits.
Umbrella Coverage: Once your primary policy limit is reached, your umbrella policy steps in to cover additional expenses, up to the umbrella policy limit.
Example:
Auto Insurance Limit: $300,000
Accident Damages: $600,000
Umbrella Policy Covers: The remaining $300,000
Benefits of Choosing Absolute Insurance:
Tailored Policies: Flexible coverage options to suit your unique needs.
Comprehensive Protection: Coverage for a wide range of personal liabilities.
Affordable Rates: High-value coverage at a reasonable cost.
Trusted Advisors: Experienced agents who guide you through the process.
Get Started Today
Don’t leave your financial future to chance. Protect your assets and gain peace of mind with personal umbrella coverage from Absolute Insurance. Contact us today for a personalized quote or to learn more about how umbrella insurance can benefit you.
