You worked hard to earn what you have and get where you are. Buying your home, all your fun toys and your retirement nest egg didn’t come easy. You don’t often get a second chance to build your life. It makes sense to buy more protection than comes in your normal car or home insurance policy. That’s why an umbrella insurance policy makes sense.
Umbrella insurance is considered a secondary liability policy, or in more simple terms, it’s a way to ensure that, in the event of a car accident, incident at home, or other property that maxes out your car or homeowners insurance limits, you still have liability protection to cover your assets.
Personal umbrella coverage through with one of our insurance carrier partners provides you an additional safety net in case your primary policies are stretched to their limits.
Get a free umbrella insurance quote today! It could help you protect all your assets. Not to mention your rainy-day fund.
As your assets increase, so does your exposure to loss. Umbrella insurance typically provides liability coverage above and beyond that of standard home and car insurance policies, allowing you to rest easy, knowing you’re well protected if worse ever comes to worst.
Imagine that you decide to take a relaxed Sunday spin around the neighborhood and, after swerving to avoid a squirrel, end up crashing your brand-new car into your neighbor’s recently remodeled home, demolishing their lovingly cared-for vintage British roadster in the process.
The repair bills quickly mount into the hundreds of thousands, easily surpassing the limits on your car and homeowners insurance policies. You’re being sued to cover the damages, leaving you with thousands more in bills you’ll have to pay out of pocket — unless you have the right umbrella coverage.
If you’re sued and found to be at fault, your umbrella coverage will take care of certain damages that exceed the limits on your car or home insurance, or other applicable policies.
Personal umbrella coverage can provide:
A typical policy can also cover:
There are a few things we consider when you apply for a personal umbrella insurance policy through our partner. To be considered for coverage, you must have the following:
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IronPoint Insurance Services, LLC is an independent insurance agency licensed (#0G87821) with the California Department of Insurance. We are authorized agents for many A+ rated Arizona, California, Colorado, Nevada and Utah insurance companies. We provide consumers with online, phone, and in-person insurance services through our insurance company relationships.
IronPoint Insurance Services, LLC offers multiple insurance quotes through ComparisonQuote.com to provide consumers several options for their insurance products. We offer auto insurance through Travelers Insurance Companies, Nationwide Insurance, Safeco Insurance, MetLife Auto & Home, and Progressive. We are authorized insurance agents for these companies and do not charge any fees for our services. If an IronPoint insurance agent tries to charge you broker or agency service fees for representing these companies, please contact us immediately.
Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company, a New York insurance company, or Independence American Insurance Company, a Delaware insurance company headquartered at 485 Madison Ave. 14th Fl. New York, NY 10022.