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:

Home Insurance Agent Gilbert, AZ

Home or Lifestyle Changes During COVID-19 & How It Could Impact Your Insurance Policy

Many people have used the COVID-19 pandemic to assess their current living situation. Whether it is finally getting to those home improvement projects, getting out in your yard or garden. Others felt inspired to make some major renovations to…
Classic Car Insurance Agent Gilbert, AZ

What You Need To Know About Classic Car Insurance

If you are the lucky owner of a classic car, you can appreciate the uniqueness of the vehicle as well as cherish the nostalgia of owning it. Classic car owners invest in classics for countless reasons. Some, purely because they like older…
Insurance Agency Gilbert, AZ

How to Lower Your Risk for Summer Insurance Claims

With summer in full swing and some modified socially distant outdoor fun happening, we thought it would be a great time to discuss some common insurance claims that can occur during the summer months and how to protect yourself. Home Break…
Earthquake Insurance Agent Gilbert, AZ

Is Earthquake Insurance Required? Learn About The Coverage.

We have all heard of earthquake insurance, but is it required to purchase if you own a home, condo or investment property? The answer is no. However, it is important to keep in mind that your standard home, condo or investment property insurance…
Insurance for your Investment Property in Gilbert, AZ

I Am Moving, But Want To Keep My Current Home As An Investment Property

The process of going from being a homeowner to a real estate investment/landlord is an exciting time. Not only are you working towards creating an extra revenue stream for your income, but you’re investing in what has historically been one…
Best Insurance Agency Gilbert, AZ

National Insurance Awareness Day – June 28th

Consider Sunday, June 28th a day to think about your current insurance policy. While this can be a good time to do annually at your renewal, you may have been thinking about your policy again since COVID-19 hit. Reach out to your agent. We…
Insurance Agency Gilbert, AZ

What Should I Know About Dog Bite Insurance Claims?

According to the Insurance Information Institute, homeowner insures paid over $796.8 million as a result of 17,802 dog bite claims in 2019. We would like to briefly go over what happens if your dog were to bite someone and of course, how to…
Motorcycle Insurance Gilbert, AZ

Everything You Should Know About Motorcycle Insurance

Spring is here, which means motorcycle season has arrived. Whether you enjoy going on long road trips or simply just like taking your motorcycle for a ride around your town, it’s important you have the right insurance coverage in the event…
Contractor Insurance Gilbert, AZ

How to Avoid Insurance Claims & Liabilities From Hiring Contractors

If you’re an experienced home remodeler, you’ve probably come across contractors who are willing to offer better pricing for cash deals or who are reluctant to provide you with a service contract. Did you know that you can be held liable…