Personal Umbrella Liability Insurance

To feel secure about covering your assets and your future, you may need the extra level of coverage provided by a personal umbrella liability insurance policy.

New York – Why An Umbrella?

An umbrella policy provides additional layers of liability coverage. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional coverage. The cost is minimal compared to the comfort of knowing you’re covered.

Penfield – Do You Have Enough Liability Insurance?

Imagine what would happen if your dog was to bite a neighbor’s child, or if there was an accident on your rental property. What would happen if a fire in your condo spread to other units? If any of these things happened to you, there’s a good chance your current liability limits wouldn’t be adequate to cover your assets, or your future earnings.

Liability Insurance Starts When the Others Stop

Once the liability limits are exhausted on your home, auto, or other policy, your umbrella policy takes over and provides a second layer of coverage of at least $1,000,000. Higher limits may also be available. Talk with Michael G. Montag Insurance Agency Inc. DBA MGM Associates of Rochester to determine the right amount of coverage for your needs.

Broad Coverages

An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world. Legal defense fees are also paid.

The right coverage for you is unique – talk to Michael G. Montag Insurance Agency Inc. DBA MGM Associates of Rochester today to find out how to cover yourself, your family and your future with the right personal umbrella insurance for you. Just call 585-381-7008 to speak with one of our agents and determine the right coverage for you.