Purchasing a personal umbrella policy from Phil Richard Insurance is an easy and cost-effective way to help you achieve extra peace of mind. Umbrella insurance goes beyond the typical limits of liability to give you, your family and assets broader coverage for a wider spectrum of incidents. We recommend a personal umbrella policy to all of our clients to enhance existing personal home, auto, recreational vehicle and watercraft policies.
Some things to consider about Umbrella Insurance
- Umbrella policies come in coverage amounts of $1 million dollars or more.
- The extra protection is designed to kick in if you are sued over an incident not covered by your existing home or auto insurance.
- It is recommended that people buy $1 million more in umbrella insurance than they think they will need. The idea is you can’t be over-insured for lawsuits.
Talk to an agent from our team at Phil Richard Insurance and they will guide you towards the level of umbrella insurance you may need.