Personal Umbrella Insurance

Don't leave any aspect of your financial well-being to chance; protect yourself with the right insurance coverage for all your needs.

Personal Umbrella Insurance

Protect yourself from life's unexpected storms with Personal Umbrella Insurance, an extra layer of liability coverage that provides peace of mind and financial security.
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Role of Beneficiaries Explained: Choosing and Updating Them Wisely

Protect yourself from life's unexpected storms with Personal Umbrella Insurance, an extra layer of liability coverage that provides peace of mind and financial security.

Personal Umbrella Insurance is an additional layer of liability protection that can provide extra coverage when your primary insurance policies, such as home or auto insurance, have reached their limits. This type of insurance can help protect you from devastating financial losses due to accidents or lawsuits.

At our Insurance Agency, we understand the importance of having the right insurance protection to meet your needs. Therefore, our experienced agents can work with you to determine the appropriate amount of Personal Umbrella Insurance coverage to protect you and your assets.

We offer flexible policy options, including different coverage limits and deductibles, so you can customize your policy to fit your unique needs and budget. In addition, we are committed to providing exceptional customer service and support from the initial consultation through the claims process.

Personal Umbrella Insurance can provide coverage for a wide range of incidents, including

Bodily injury liability


Property damage liability


Personal liability


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Personal Property
Building Property
Additional Living Expense
Loss Assessment
Guest Medical

Personal Property Coverage

Risk Factors

Your personal property which includes furniture, clothes and other collectibles are also exposed to risk which can cause a great loss.

Solution

Personal property coverage protects your belongings that aren’t fixtures in your home. This includes clothes, furniture, portable appliances and other possessions that aren’t affixed to your unit. As with building property coverage, you will only be able to file a personal property claim if the episode is a covered event, and coverage will only extend up to your policy’s limits.

Building Property Coverage

Risk Factors

Your building property might get damaged by events like fire, flood and hail.

Solution

This protects you financially from damage to the interior of your condo unit resulting from a covered event, such as fire or wind damage. Up to your policy’s limits, it will cover damage to your floors, walls, tiles, cabinets and other permanent fixtures in your condo.

Additional Living Expense Coverage

Risk Factors

In case your condo catches fire, you are bound to stay in hotel till your condo is back to normal and pay for hotel accommodation from your own pockets.

Solution

Additional living expenses (ALE) also known as loss of use helps pay for extra living expenses such as lodging, meals, laundry and pet boarding if you cannot live in your condo because of a problem covered by the policy (such as a fire).

Loss Assessment Coverage

Risk Factors

If a common area such as a parking garage of the condo is damaged due to flooding, you are liable to pay a part of the expense cost along with other people.

Solution

Loss Assessment coverage is an important feature of condo insurance because you share in the responsibility with the other condo owners for the condominium building and common areas. That means that if there is a special assessment (an added fee that is on top of your monthly condo fees) levied on your condominium building, all the condo owners must split the cost of the assessment.

Guest Medical Coverage

Risk Factors

There may be a possibility that a guest arrives at your house and gets himself injured unknowingly. You are liable to pay for his medical expenses.

Solution

If a guest is injured at your home, guest medical coverage may help pay for related medical expenses even if you are not at fault.

Contact us today to learn more about our Personal Umbrella Insurance policies and how we can help protect you and your assets from unexpected liabilities.

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