Personal Umbrella Insurance Quotes

What is a personal umbrella insurance policy?

Umbrella Insurance Policy in Gilbert, AZ

A personal umbrella policy covers you when your auto, home or other personal lines insurance policy is exhausted. A personal umbrella policy is a great way to protect yourself from a lawsuit that not only can impact your current assets, but your future earnings as well. Unfortunately, everyone is a target for a lawsuit. The simple fact is that in today’s lawsuit-happy culture, the unfortunate scenario of being sued for damages that exhaust your other policy limits is a real possibility. Ask your agent today about a personal umbrella policy.

With nearly every state in the country practicing financial responsibility laws, this makes every driver financially responsible for bodily injury, property damage and potential loss of income claims that may come as a result of a motor vehicle accident.

Similarly, homeowners need to protect themselves from a liability claim. Whether you’re hosting a party and serve too much alcohol, have a slip and fall accident on your sidewalk or a dog bites a neighbor, you can be held liable for medical bills, rehabilitation programs and lost wages.

Scenarios where an Umbrella Insurance Policy would be useful:

Example #1: Your teenage daughter is babysitting the neighbor kids and leaves the house for a moment to run to the store. When she returns, one of the children is badly injured and requires surgery. The child’s medical bills exceed $300,000. The parents of the children sue you to cover the medical bills.

Example #2: Your son dislikes his gym class as well as the teacher. He goes on social media and writes some very reproachful comments about the teacher that leave him in a bad light. The teacher sues and is awarded $500,000.

Example #3: Your 17 year old child decides to pick up some friends and go “cruising” in your car. He loses control of the vehicle while showing off how fast the minivan is. Each child is critically injured. Your umbrella policy helps cover the medical bills.

Example #4: You invite friends over to your home to celebrate the 4th of July. You provide all the entertainment, food and refreshments, including alcohol. One friend who is known for drinking too much, does just that, gets in his car and drives home getting in a terrible car accident that kills one person. The family sues you and you’re found to be liable for serving the friend too much alcohol.

Example #5: Your rental property’s deck is rotted and your tenant falls through it badly injuring their leg and requiring reconstructive surgery. A jury awards the tenant $750,000 for damages.

Start Your Umbrella Insurance Quote

Personal Umbrella Insurance Coverage Protection Peace of Mind

From Our Blog:

Vacation Home Insurance Gilbert, Arizona

What You Need to Know About Vacation Home Insurance

When it comes to insuring a vacation home, the insurance landscape can look slightly different from that of primary homes. While the risks are relatively similar, you’ll find that some added perils come with vacation homes. These risks vary…
Staying Healthy on the Road

Tips For Staying Healthy While On The Road

How to Cook Healthy Meals On A Road Trip Did you purchase an RV this past year or have you found you enjoy taking road trips? With the COVID-19 pandemic, many people invested in an RV, travel trailer, or simply went camping more in order to…
Choosing the Right Insurance Company

Choosing the Right Insurance Company

How do I choose the right insurance company when there are so many to choose from? With such a large selection to choose from, it can be hard to know which insurance company is right for you. Many people revert to shopping based solely on…
Boat Insurance Agent Gilbert, AZ

What type of insurance do I need for my boat?

When it comes to insuring your boat, it can be hard to know where to start. Most new boat owners start by wondering how much coverage will be provided by an existing home insurance policy. But it’s often best to separate your boat insurance…
Distracted Driving Awareness Month

April is Distracted Driving Awareness Month - Tips to Be a Safer Driver

April is Distracted Driving Awareness Month. According to National Highway Traffic Safety Administration, 3,142 lives were lost from distracted driving accidents. This increased 10% from 2018. What is considered distracted driving? Any time…
Creating The Ultimate Road Trip

Tips on Creating The Ultimate Road Trip

During the pandemic, many individuals may not feel comfortable getting on an airplane. However, many still want to travel. Perhaps a road trip can be the answer. Road trips allow you to see what is between your home and destination, something…
Pay Per Mile Coverage Gilbert, Arizona

Learn How Pay Per Mile Coverage is Calculated

The auto insurance industry landscape is changing as more companies embrace emerging technology. No longer are auto insurance rates based solely on your age, marital status, where you live, or the number of violations that you have. Instead,…
Choosing winter tires or all-season tires for your vehicle in Gilbert, AZ

Winter Tires vs. All-Season Tires – Which Type of Tire Should You Have?

Winter driving brings a whole new element of risk to the road. Driver's concentration and a car's integrity are continuously put to the test in frigid weather. Making the decision to change your tires at the right time will keep you safe and…
Insurance coverage options for your jewelry in Gilbert, Arizona

Do I Need to Insure My Jewelry? We Explain Coverage Options!

Jewelry is often one of the most valuable belongings in your home and, for this reason, it’s something you may want to consider insuring. Most pieces of jewelry can be fragile, easily lost, and they are among the first items stolen during…