Umbrella Coverage

This could happen to you!

• While helping you clean the leaves from your gutters, your friend's 16-year old son falls from your ladder and severely injures his neck. The jury awards $1,500,000 for his numerous operations.
• $1,700,000 is awarded to a single mother and her 2-year old daughter who were severely injured in an automobile accident that you were involved in.
• While on a family vacation, your 13-year old son loses control skiing and injures four people. The jury awards $1,200,000 to one of the victims whose face was disfigured.
• Your wife is involved in an automobile accident while driving your children and their friends to soccer practice. Some of the children are seriously injured. The court awards $1,600,000.

These examples are REAL!

Who Needs Umbrella Coverage?

• Home and Condominium owners
• Renters
• People who own automobiles
• Families with young drivers
• People who own and operate boats, ATV's, motorbikes
• Any active family with Children

How Much Does It Cost?

You will be surprised at how little this valuable extra protection costs when you think of the everyday situations that could jeopardize your financial security. This coverage can be yours for less than the cost of a daily newspaper. You can't afford to be without it.

Don't put your family at risk.

You read about them everyday-lawsuits that result in multi-million dollar awards for injuries or death, all because of an auto, home or boating accident.

if you do not have adequate liability coverage, losses from an accident can ruin your family's financial future.

Umbrella coverage works with your current auto, home or boat insurance for extra protection after your existing coverage is exhausted.

What Does The Umbrella Policy Cover?

The umbrella policy is a personally catastrophe policy covering you and your family's liability against the ever-increasing jury awards that may be leveled against you.

This policy provides additional liability limits to your Homeowners, Condominium or Renter's policy and Automobile policy of at least $1,000,000. Additional coverage up to $5,000,000 is available. It also provides coverage that may be excluded in your existing policies.

When considering umbrella coverage, it's important to think of your future income and assets, as well as what you own now.

Now is the time to build a second line of defense-to protect you and your family when your other policies stop.