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Umbrella insurance with an agent
Umbrella insurance helps protect assets like your car, home, investments and retirement accounts. Reach out to one of our agents today to learn more about an umbrella policy. Call 800-835-0894 to start your quote.
Our insurance agents can find you the best umbrella policy
Comparion local licensed agents know the insurance world inside and out. They will guide you through the complex process of finding the right umbrella insurance coverage - and help you save money, too!
Quote with an insurance agent
What is umbrella insurance?
Umbrella insurance, also known as excess liability, provides additional personal liability protection for yourself and household family members.
In the event your liability limits are exhausted on your other policies such as your home or auto, the umbrella may pay for claims where you are deemed to be negligent or liable.
Umbrella insurance can also help cover legal fees and protect your assets like your home and savings if you are involved in a lawsuit.
Start my umbrella quoteWho needs umbrella insurance?
If you have a home, a car, or an investment portfolio, you should consider an umbrella policy.
Umbrella insurance will cover your assets against claims larger than your current insurance coverage limits for your home, car, or even boat. For example, if you're at fault for a serious car accident and damages exceed your auto policy limits, an umbrella policy can help cover the difference.
This is just one of the many scenarios where an umbrella policy can help protect your assets. A Comparion agent can help you find the right umbrella policy for you.
Start an umbrella quoteWhat are the advantages to using an agent for buying umbrella insurance?
Personalized advice
When you choose to work with an insurance agent to buy an umbrella policy, you gain access to an insurance professional who can assess all your insurance needs. They can explain the coverage options and limits, and help you understand how umbrella insurance can complement your existing policies. They'll also assess your unique financial situation, assets, and potential liability risks to recommend an appropriate amount of umbrella insurance coverage. This ensures that you're adequately protected without overpaying for unnecessary coverage.
Savings
Our agents can save you time by comparing multiple umbrella insurance carriers for you, while also uncovering potential savings and bundling options that you may not have known about.
Peace of mind
An agent can help you consider risks that you may not have thought about. They can ask you questions about your house, property, pets, family, and more to get a complete picture of situations you may encounter. Insurance agents can provide ongoing support by periodically reviewing your coverage to make sure they reflect changes in your life, assets, and liability risks, ensuring your coverage stays relevant and effective.
What does umbrella insurance cover?
You should buy enough umbrella insurance to cover the difference between your assets and your underlying policies. Keep in mind if you are sued and must go to trial, juries may award substantially more than the expected damages if they deem the negligence to be egregious. A Comparion agent can help you find the best umbrella coverage for you.
Which umbrella insurance offers the best value for me?
Comparion local licensed agents can quote with many insurance companies and help you select the right policy with the best value comparing coverages, deductibles and other options.
FAQs about umbrella insurance
An umbrella or excess liability policy provides additional personal liability protection for yourself and household family members. In the event your liability limits are exhausted on your other home or auto policies, the umbrella may payout for claims where you are deemed to be negligent or liable. Your associated attorney fees may also covered.
If you have assets like a home, a car, and savings, you probably need an umbrella policy to protect them.
You want enough to cover your assets less what you have on your underlying policies. Keep in mind if you are sued and must go to trial, juries may award substantially more than the expected damages if they deem the negligence to be egregious. A Comparion agent can help you find the best policy for you.