Umbrella Insurance

An umbrella policy is a liability policy that provides an 'umbrella' of protection beyond what your regular policies provide. An umbrella policy extends beyond your auto and homeowners liability insurance to recreational vehicles like boats, jet skis, seadoos, atvs, snowmobiles and motorcycles.

Here are some cases where an Umbrella policy could help protect you and your family:

• Your teen was reckless with the car and injured several people in an automobile accident. Although your Auto policy will pay $250,000, total losses come to more than $400,000. Umbrella helps cover the additional $150k that is needed.
• Your dog injures your neighbor/visitor. The medical expenses are too much for your Homeowners insurance to cover, so umbrella provides the safety net in terms of insurance coverage.
• A visitor slips and falls on your driveway, sues you for $1 million – and wins. Your Homeowners policy falls short of the required coverage, so the umbrella coverage helps cover the shortfall.

In many situations like this, Umbrella insurance helps you with the additional coverage needed, and the premium is relatively low.

We have 10 locations in Central New York and provide Umbrella Insurance advice and quotes in all 10 locations