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
Greene Insurance Group – Family Owned Insurance Agency
Providing best in class service to our clients
At Greene Insurance Group, we promise personalized, best-in-class customer service. Our Licensed Agents work in our local offices, not from home, ensuring your privacy and personal information are always protected. It’s a commitment we stand by. Weanswer your phone calls and return your emails—because that’s the way it should be. You can always depend on the professionals at Greene Insurance Group.
Greene Insurance Group is an Independent Insurance Agency
Benefits of Working with Greene Insurance Group:
- Customized Coverage- At Greene Insurance Group, we realize each of our clients needs differ and we customize coverage to fit their unique needs.
- Choice & Flexibility- As an Independent Insurance Agency, we represent dozens of top-rated insurance companies, unlike insurance agents who are limited to a single company. This gives us the flexibility to better meet your unique needs.
- Personalized Service- We prioritize personalized service. A Licensed Insurance Account Manager will be assigned to your account and assist with policy questions, changes, billing, claims, and renewals ensuring you always have a dedicated point of contact.
- Expertise and Advocacy- Our team has expertise in the insurance marketplace, helping you understand your insurance and coverage options. As your advocates, we’ll guide you through the claims process and ensure you receive fair treatment.
- Local Knowledge- As a locally-owned and Independent Insurance Agency, Greene Insurance is deeply rooted in our community. Our local presence enables us to understand area-specific risks and needs, offering insights that large, out-of-state companies 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 office settings to protect your privacy. Our licensed insurance professionals who are always available to answer your questions and provide ongoing support, unlike faceless websites, chatbots or call centers.
