Umbrella insurance is a great way to protect you when you need more than one type of coverage to make sure you are covered in all instances that may affect you. Sometimes an incident occurs, and it doesn’t fall under the scope of your existing policy, this is a case in which it might be beneficial to look into umbrella insurance as an option.
Our partnership with Liberty Mutual can provide you with personal umbrella insurance which provides liability coverage that protects you and your assets. Life can throw a curve ball your way at anytime, and that is when umbrella insurance can provide you with the most protection in those unlikely circumstances.
Umbrella insurance is useful when something incredibly devastating happens and your personal insurance won’t cover the damages. It can also be helpful if you are involved in a major accident but your personal auto insurance policy has reached its limit and won’t cover extensive damages. This is when your personal umbrella insurance would come into play and keep you protected.
With our partnership with Liberty Mutual, if you already have an auto insurance policy with minimum liability, you could qualify for umbrella insurance as well. This not only will save you money, but provide you with way more coverage. For example, if you are in an accident, and your policy only covers $250,000 of damages but the overall damages end up being $550,000, your umbrella insurance policy will kick in to cover the difference.
Although umbrella insurance is meant as a way to protect you in incidents that fall outside the norm, it does not cover absolutely everything. If you are the cause for damages to someone else’s property, it can be used to help cover these expenses.
Liberty Mutual umbrella insurance also provides coverage for family members living in your household, worldwide coverage, coverage on rental properties, personal injury coverage, and payment of defense or attorney fees. We can provide you with specific details and examples of what the policy covers if you are interested in getting started.
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Although you cannot predict what events may happen that involve your home, you can do whatever possible to keep those that live there and your guests protected in the instance that something happens outside of your control. Umbrella insurance is a great way to save money while adding that extra layer of protection that gives you peace of mind that you simply cannot buy. We can’t wait to discuss the many options we have available to you so don’t hesitate to reach out to Willoughby Insurance of Buffalo, NY today!