Personal Umbrella Insurance

How important is Personal Umbrella Insurance?

If you are sued, do you have enough liability insurance protection on your home insurance and auto insurance to protect you, your family and your assets?

Do you even know what underlying insurance coverage means? Most people don’t.  Once the liability insurance limits are exhausted on your home, auto, or other insurance policy, a Personal Umbrella Insurance policy provides a second layer of insurance coverage of one-million dollars or more depending on your assets.  For example, if you own your home, a rental property or cash savings in the bank and you are sued for a car accident, some trips an falls at your home or rental property or you are sued for libel or slander, a personal umbrella insurance policy protects you and your assets.

If I don’t have any assets to lose, why should I consider personal umbrella insurance?

Some ask, if I don’t have assets, what can I be sued for?  People are oftentimes sued for the equity in the home or their wages are garnished.  One-million dollars of personal umbrella protection can be purchased and packaged with your home and auto insurance usually for less than $15 per month!  Why not protect yourself and your family?

Can I Afford Personal Umbrella Insurance?

If you own a home, rental properties, autos, RV’s or have youthful drivers, you should strongly consider a personal umbrella insurance policy.

If you own a home and auto, most couples with a good driving record can purchase a $1,000,000 personal umbrella policy for less than $20 per month.   Families with young household drivers, will pay more, however a personal umbrella is very important to protect those families and their assets.

Personal Umbrella Insurance is very affordable and you will have the peace of mind knowing you’re protected.

Examples of why Personal Umbrella Insurance is so Important

• Do you have youthful drivers in the household?  Statistics show youthful drivers have less driving experience and pose a greater risk to you
• What would happen if your dog was to bite a neighbor’s child?
• Do you own rental property(s)?  What if there was an accident on your rental property?
• What if someone in your household was at fault and severely injured or killed another person(s) in an auto accident?
• What would happen if a fire in your condo spread to other units?
• There was a drowning in your swimming pool?

If any of these things happened to you, there’s a good chance your current liability limits wouldn’t be adequate to protect your assets, or your future earnings.

Client Reviews & Testimonials

About Greene Insurance Group

At Greene Insurance Group, our family has been dedicated to safeguarding families and businesses with comprehensive insurance solutions for over 63 years. As an Independent Insurance Agent, we represent dozens of top-rated insurance companies, saving you the time and hassles of shopping for insurance.  You can rest assured you receive the best coverage at the best value to maxiumum protection!

As an Independent Insurance Agent, Greene Insurance Group will provide you with the peace of mind you deserve, knowing that your personal and business insurance needs are covered by trusted insurance professionals.  Contact Greene Insurance today for a review of your current insurance policies and see how we can help protect what matters most to you.

Providing best in class service to our clients

At Greene Insurance Group, we promise to provide personalized and best-in-class customer service. Our Licensed Insurance Agents work in our local offices, ensuring your privacy and personal information are always protected.  It’s a commitment we stand by.  We answer your calls and return your emails—because that’s the way it should be.  You can always depend on the professionals at Greene Insurance Group.

We’re an Independent Insurance Agent & Work for our Clients

Benefits of working with Greene Insurance Group:

• Customized Coverage-  At Greene Insurance Group, we realize each of our clients and their needs differ and we customize coverage to fit their unique needs.
• Choice & Flexibility-  As an Independent Insurance Agent, we represent dozens of top-rated insurance companies, unlike captive insurance agents who are limited offfering insurance with a single insurance company.  Greene Insurance Group is a leading Independent Insurance Agent and we represent dozens of top-rated insurance companies giving us the ability to meet our clients unique needs.
• Personalized Service-  We prioritize personalized service.  Once you become our client, a Licensed Account Manager and team will be assigned to assist you with policy questions, changes to your coverage, billing, claims, and annual renewal reviews of your insurance.
• Expertise & Advocacy-  The Team at Greene Insurance Group has the expertise in the insurance marketplace, helping you understand your insurance and coverage options. As your insurance advocates, we’ll guide you through the claims process and ensure you receive fair treatment.
• Local Knowledge-  As a local and family-owned Independent Insurance Agent, Greene Insurance is deeply rooted in our community. Our local presence enables us to understand area-specific risks and needs, offering insights that many other insurance agents may overlook.
• Ongoing Support-  The relationships we build with our clients are why they refer their friends and family.  At Greene Insurance Group, we offer a responsive team, work in professional offices and on secure networks to protect your family and it’s privacy.  Our licensed Insurance Agents are always available to answer your questions and provide ongoing support, unlike faceless websites, chatbots or call centers.