UMBRELLA INSURANCE

UMBRELLA INSURANCE DEFINED

 

You work hard for the things that are important to you. For added coverage above and beyond the liability limits of your Auto or Home insurance policies, a Personal Umbrella insurance policy can provide added protection for your assets and future earnings.

The Umbrella Insurance industry loves its jargon. And unless you’re around it every day, as we are, there is a strong possibility it may leave you scratching your head, so here is a brief overview of Umbrella Insurance coverage.

 

DON’T FORGET YOUR UMBRELLA
Today we live in a very litigious or lawsuit-happy society. And judges and juries are handing down larger money awards than ever before. Subject to policy limits and exclusions, with a Personal Umbrella policy you have:

  • Additional coverage over and above the liability limits of your underlying policies, such as auto and home.
  • Your assets, as well as your future earnings, are covered

 

ADDITIONAL BENEFITS
Besides providing increased liability limits, a Personal Umbrella policy gives you these additional benefits:

  • Coverage against claims that may not be covered by your underlying policies for home and auto liability, such as libel, slander or defamation of character
  • Defense costs and attorney’s fees associated with claims against you that are covered by your Personal Umbrella policy, but not your primary policies. These expenses are paid in addition to our policy limit.
  • Coverage anywhere in the world.

 

NOTE: Your auto policy must have certain limits in order for you to qualify for an umbrella policy.

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BUSINESS

Managing your small business can be complex, selecting the right Business insurance for your unique operation doesn't have to be. No matter the type of business, a Farmers agent can help you customize an insurance package to reduce your risk and protect your investment. Request a Business insurance quote today to get started.

HOME / RENTERS

Your home is perhaps your most valuable possession, so you'll want to make sure your insurer has withstood the test of time. Farmers® has been providing insurance products for over 80 years and will be there in the event disaster strikes and your home is damaged in a fire or due to another covered cause of loss. Get a Home insurance quote now.

AUTO

Comprehensive coverage? Collision coverage? Deductibles? Medical Payments? Where to begin? Your local Farmers agent can take the mystery out of selecting the right Car insurance coverage for your needs and budget. Get started with an online Auto insurance quote and learn about our insurance discounts that can help you save money.

LIFE

Have you asked yourself: "Do I really need Life insurance today?" Remember, Life insurance isn't just about you and it may not be about today. If you have a mortgage, plan to send your kids to college or just have long term financial goals, a Farmers insurance agent can help you with your unique needs. Request a quote today.

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