Personal Umbrella Insurance

A personal umbrella insurance policy helps provide additional protection beyond the coverage you already have with your property and auto insurance and can help protect your savings in the event you need financial assistance in excess of your other policies.  

Get in touch with the agents at Generation insurance Services by calling 973-348-5886 to learn more about how umbrella insurance may provide the additional financial protection you need.  

What Is Umbrella Insurance? 

Umbrella insurance is extra coverage that extends past the state limits of your other insurance policies. It may provide additional coverage for property damage, personal liability, some lawsuits and injuries.  

What Does Umbrella Insurance Cover? 

Umbrella insurance typically provides liability coverage for: 

How Does Umbrella Insurance Work? 

While you likely have the insurance coverage you need to handle most situations, there are some situations where an umbrella insurance policy can cover you if your auto insurance or homeowner’s insurance policy isn’t enough:  

• You are at fault for an automobile accident involving numerous vehicles, and your auto insurance limits aren’t high enough to replace or repair all of the cars. 

• Your dog escapes your fenced yard and gets into an altercation with your neighbor’s cat. Your neighbor suffers a bite while trying to break up the fight and sues you for the cat’s veterinary bills as well as her medical bills and pain and suffering.

Every policy is different—be sure to talk to your agent to understand what your policy may and may not cover.  

How Much Does Umbrella Insurance Cost? 

In general, umbrella insurance provides an inexpensive way to extend the coverage of your other policies. Your agent may recommend that you carry the maximum amount of auto and homeowner’s insurance before considering an umbrella policy.  

Umbrella insurance premiums depend on a number of factors, including: 

Get the Coverage You Need Today 

Call the experts at Generation Insurance Services in Rutherford, New Jersey, to get the umbrella insurance policy you need today.