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Umbrella Insurance

3 Convenient ways to get you a quote:

Option 1 - Hit this link:  Request for Umbrella Insurance Quote

 

Option 2 - Text a copy of your policy to: 510-962-4377
 

Option 3 - Email a copy of your policy to: Service@Lsiagency.com

You don’t have a crystal ball for that reason, you need to protect all your assets from the unexpected. Life is full of surprises. Whether you are in a serious car accident, or something happens on your property, you could end up responsible for bills that exceed your standard insurance limits.

Umbrella insurance provides extra coverage to make sure you are protected and do not run the risk of having to liquidate assets in the event of a covered loss. Umbrella insurance can provide limits from 1 to 5 million or higher on top of your standard policy to protect you and your family members.

Additional coverage for an extra layer of protection. • Umbrella insurance has an unusual name, but it’s a simple concept–it’s an extra liability policy for added peace of mind. Most commonly, umbrella insurance is something you get in addition to either a car insurance or homeowners insurance policy. Focuses primarily on liability claims. • Umbrella insurance is specifically about liability, which is the cost you might have to pay to somebody else for an unfortunate event where you are held responsible. It doesn’t usually include losses you bear yourself, such as if your property is damaged or your possessions are stolen. How does umbrella insurance work? • For example, if your auto policy covers liability up to $500,000 but you cause an accident that leaves the other driver with medical bills of $600,000, your main policy will pay out in full, and the umbrella insurance policy will kick in for the remaining $100,000. Is umbrella coverage right for your needs? • The umbrella insurance policy itself will have its own limit, but this is less likely to be an issue. An umbrella insurance policy can be cheaper than you might think. While it covers large potential payouts, the premium usually reflects the reduced risk that the policy will need to pay out. Let the insurance experts at Leslie Sawyer Insurance Agency, Inc. discuss with you about adding a cost-effective umbrella insurance policy to your account.

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