Do You Need an Umbrella Policy?

May 07, 2014

Let me ask you a question. Would you like extra liability coverage over all of your personal assets, beyond your homeowners and auto insurance policies liability limits?

If the answer is yes, then you probably need an umbrella policy.

First let’s start by explaining what an umbrella policy is.

An umbrella policy basically serves as a backup to ALL your other liability coverage on your personal property. It’s a safety net for your safety net.

It’s probably one of the best named type of insurance policies out there.

Adding extra liability coverage to all of your “stuff” is never a bad idea, in the sense it doesn’t take much these days to run up serious property damage or medical bills if you’re involved in a mishap of some kind.

If you were to find yourself in a situation, let’s use a car accident as an example, where the damage caused went beyond your car insurance’s limit, well there's a very good chance you could find yourself picking up that two-ton check.

An umbrella policy would protect you from that happening.

Before you run out and crank up your liability limits on your auto or home, the umbrella policy might server to be the most cost effective way to provide that extra coverage.

Not to mention, the umbrella will provide that same “extra” liability coverage over other things like:

  • Boat
  • Motorcycle
  • House
  • Vacation home

Watch the short video below to see how an umbrella policy could help stop you from paying someone for the rest of your life.

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If you would like some help with health insurance or want to make sure I'm a real human being, you can send me an email, give me a call at 440-964-8211 or talk face to face over the internet.

Giangola Insurance Agency, Inc.

1000 Lake Ave.
Ashtabula, OH 44004
Phone: 440-964-8211

Monday 9:00 AM - 5:00 PM
Tuesday 9:00 AM - 5:00 PM
Wednesday 9:00 AM - 5:00 PM
Thursday 9:00 AM - 5:00 PM
Friday 9:00 AM - 5:00 PM
Saturday Closed
Sunday Closed