Any guesses?

If you said Umbrella insurance, you’d be right.

This might be the first time you are hearing about Umbrella insurance and you may think, “Sounds like something extra I probably don’t need.” “Since it’s extra, it’s probably also expensive.”

You may have also taken the name literally and imagined a larger all-encompassing insurance policy that covers all the other policies you have, like an umbrella actually.

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What do you know about it?

The Basics

Umbrella coverage is extra, in all the right ways.

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Let’s be real; we’ve all done it.

Have you ever opted out of an extra protection purchase just because it was optional?

Whether we were juggling a tight budget or didn’t see the need for the additional cost, most of us have lived to regret opting out, at least once. Maybe twice. Maybe after it was too late…

Remember the extended protection plan you could have bought with your new Smart TV? You never realized how beneficial it would have been until after the accident that broke the screen.

In hindsight, maybe the extra was worth it. It certainly would have been more cost efficient.

While tackling a mishap with an everyday piece of electronics probably won’t make or break your financial security, the principle of this scenario is important.

What if you could have bought extra protection for your home or auto policies that would have covered unexpected and very costly expenses without jeopardizing your daily finances?

So what’s it going to cost?

Umbrella coverage comes in $1 million increments. It might seem like a big number, but medical, repair, damages, and legal fees can balloon at an alarming speed. Imagine having a cool million covering it all so your immediate paychecks don’t have to.

According to the Insurance Information Institute, “For about $150 to $300 per year you can buy a $1 million personal umbrella liability policy. The next million will cost about $75, and $50 for every million after that.”

Worried about your annual budget? Don’t.

It is possible to adjust base policy deductibles so that an added umbrella doesn’t increase your current out-of-pocket, but this could cause a crunch in the long run.

Our trusted local advisors will review your existing policies and help you decide on the right coverage to best protect your investments and financial freedom both now and in the future.

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Your Next Step

Thanks to decades in the insurance business, we know firsthand that the smartest choices made today protect your tomorrow.

Unexpected accidents and the fallout that follows can wreak financial chaos. The good news is with our experience on your side, we can reduce the chances of financial ruin. Umbrella coverage is just one tool we use to keep you safe.

Your next step is simple: contact us.

Let’s schedule a call to discuss how we can best safeguard your today, your tomorrow and your future.

Call 855-INSURED or complete the form below.

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