When is umbrella insurance necessary?

What is umbrella insurance? Do you need it? How do you get it?

These are questions you may not have thought of, and your agent is there to help!

First, what is umbrella insurance? Umbrella insurance provides coverage in excess of your primary insurance liability limits. Do you need it? A few common themes between people that purchase umbrella insurance are, owning property, have significant savings, being a landlord, and serving on a board of a nonprofit.

How do you get it? You must already have auto or a property insurance, and you need to buy a minimum amount of liability insurance on those coverages before you can buy umbrella insurance.

Talk to your agent today, they can help you decide if umbrella insurance is beneficial to you!