Personal Umbrella Insurance
Personal Umbrella Insurance Quote Forms
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Personal Umbrella Insurance Information
A personal umbrella policy (PUP) can provide an additional layer of coverage beyond your homeowners, auto, watercraft or renters insurance if you face a significant claim. The team of professionals at GCA Insurance in Philadelphia, Pennsylvania, can help you secure a PUP today. Contact us for more information.
What Is Personal Umbrella Coverage?
A personal umbrella policy can provide coverage after the limits of your other liability policies have been reached. If you are held responsible for a substantial legal claim involving property damage or bodily injuries of others, your financial obligation may exceed what your standard home, auto, watercraft or renters insurance will pay. A PUP can provide extended liability limits so those payments do not have to come out-of-pocket. Additionally, personal umbrella insurance can provide coverage for personal injuries, such as libel or slander, which may be excluded from your other policy’s liability coverage.
Do I Need Personal Umbrella Insurance?
Accidents can happen at any time, and they may lead to expensive medical bills and legal fees. Although your other policies may provide some coverage, you still may be vulnerable to costs exceeding their limits. Having personal umbrella insurance can help protect your savings and personal assets. Additionally, policies may coverage may extend to you, your spouse and dependents living with you.
When considering the need for personal umbrella coverage, it is essential to also assess your risk profile. These activities may make you a prime candidate for umbrella insurance:
How Much Does Personal Umbrella Insurance Cost?
The cost of personal umbrella insurance varies. Your selected coverages, risk factors and location can influence premiums. Generally, the cost of personal umbrella insurance is relatively affordable for the coverage you receive. Your agent can help you review your insurance needs and provide you with an estimate.
Purchase umbrella insurance can provide crucial coverage against financial loss. The professionals at GCA Insurance can help you secure a policy that fits your needs. Contact us today to get started.