Personal Umbrella Insurance

Umbrella Insurance has an unusual name, but it’s a simple concept–it’s an extra liability policy for added peace of mind. Most commonly, Umbrella Insurance is something you get in addition to either a Car Insurance or Homeowners Insurance Policy.

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Umbrella Insurance is specifically about liability, which is the cost you might have to pay to somebody else for an unfortunate event where you are held responsible. It doesn’t usually include losses you bear yourself, such as if your property is damaged or your possessions are stolen

You’d usually get Umbrella Insurance when your main Insurance Policy has liability coverage limits that are too low for your needs. Umbrella Insurance will only pay out when your main policy has already paid out in full, and it will only pay out the remainder of your costs.

For example, if your Auto Policy covers liability up to $500,000 but you cause an accident that leaves the other driver with medical bills of $600,000, your main policy will pay out in full, and the Umbrella Insurance Policy will kick in for the remaining $100,000.

The Umbrella Insurance Policy itself will have its own limit, but this is less likely to be an issue. An Umbrella Insurance Policy can be cheaper than you might think. While it covers large potential payouts, the premium usually reflects the reduced risk that the policy will need to pay out.

Talk with us about adding a cost-effective Umbrella Insurance Policy to your account. It’s easy and provides the additional protection needed to protect you and your family

Contact Bray & Oakley Today

You need an Insurance Policy you can depend on. When you choose Bray & Oakley Insurance Agency, you’re getting a partner dedicated to providing quality protection with value pricing. We wish to establish a long-term, successful partnership with our clients, staff members, and insurers that respect each party’s interests and goals.

Our Agents are available to talk to you about your Insurance needs. As an Independent Insurance Agency, we write for many different insurers. We shop around. We compare prices. Then, we customize a policy just for you. Give us a call today to learn about what insurance coverage options may be right for you.