Protect Against Risks With an Umbrella Policy

Supplemental protection that goes beyond the coverage in your home and auto insurance policies. 

Personal Umbrella Insurance

If you’re ever faced with an unusually high liability claim or judgement, umbrella coverage is designed to help. In addition to your homeowners and auto policies, umbrella insurance was created to give you an additional layer of liability coverage over and above your underlying home and auto insurance—an umbrella of protection.  

Do I Need an Umbrella Insurance Policy? 

If you are found to be legally responsible for injuring someone or damaging their property without a personal umbrella insurance policy, anything beyond your liability insurance coverage will come out of your own pocket. Umbrella insurance helps to protect your personal assets by kicking in when your standard liability coverage is exhausted. Here are some common reasons to obtain an umbrella insurance policy:  

  • You have significant savings or assets.
  • You own property.
  • You want to protect against potential losses of income.
  • You own a business.
  • You coach youth sports.
  • You are a landlord.
  • You own items, property, or pets that could lead to injury lawsuits.
  • You have inexperienced drivers in your household. 

What Does Umbrella Insurance Cover? 

An umbrella policy can protect you in a variety of ways, including:

  • Bodily injury to someone else 
  • Personal injury to another in the form of libel, slander, or defamation
  • Property damage to a person’s car, home, or other personal property

Some insurance carriers also offer excess Uninsured/Underinsured Motorist coverage.

Why Towne Insurance for Umbrella Coverage?   

As a leading independent insurance agency, Towne has strong relationships with many of the nation’s top insurance carriers. So we can provide the right umbrella coverage for you at the most competitive rates. 

Towne is able to offer a wide variety of insurance policies without the restrictions of a single insurer. We represent you to the insurance marketplace and will always look out for your best interests.

Towne Insurance is part of a culture defined by caring for the people and communities we serve.  

Your Umbrella Insurance Policy Experts

No matter your net worth, and umbrella insurance policy can serve to protect your savings and assets. An umbrella policy through Towne Insurance can give you added protection when you need it. 

Contact us today to learn more about umbrella coverage and your specific circumstance!  

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