Personal Umbrella Insurance
Personal Umbrella Insurance Quote Forms
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Personal Umbrella Insurance Information
Good Drivers are Responsible Drivers.
Accidents can happen, and sometimes the financial outcome can be devastating. You can’t know what risks you may encounter, but you can ensure your economic livelihood is protected. Personal umbrella insurance can give you a needed safety net.
What Is a Personal Umbrella Policy?
Auto liability insurance can pay for third-party injuries or property damage when an accident is your fault. Likewise, homeowners liability insurance might pay if a houseguest sustains an injury and sues you for their medical costs. However, these policies have their limits, and sometimes a significant claim might exceed these terms. This is when personal umbrella coverage can help.
What Does Personal Umbrella Insurance Cover?
Personal umbrella insurance can help cover liability claims above and beyond your standard coverage limits, giving you better protection. One umbrella plan can apply to your various personal liability policies, including your home and auto, and pay for a variety of liabilities such as the following:
- Bodily injuries
- Landlord liabilities
- Legal fees
- Personal injuries (e.g., libel or slander)
- Property damage
Kinneman Insurance can create a personal insurance portfolio to include the coverage options you need.
Additional Protection for Your Peace of Mind
A high liability lawsuit could cause a substantial financial loss if you have significant personal property and monetary savings. Personal umbrella insurance can offer you considerable protection against the ramifications of these losses.
If a claim on your standard liability insurance exceeds your policy’s limits, you can make a claim against your personal umbrella policy for the remaining costs. As a result, you won’t have to personally pay a significant amount even though your liability policy has been exhausted.
The costs of these policies are well below what a qualifying umbrella liability insurance claim might be. It’s always in your best interest to carry this policy as part of your overall personal insurance portfolio.
Protect Your Financial Well-being
Personal umbrella insurance can protect you and your family against potentially devastating liability claims or judgments. A policy is relatively inexpensive compared to the coverage you gain.
We proudly provide insurance to customers in Alexandria, McLean and surrounding areas. Contact us at 703-823-8800 to request a personal umbrella insurance quote or to explore what else Kinneman Insurance can do for you.
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