Click For A Quote

863-534-3431

A personal umbrella insurance policy is a form of insurance that provides you with liability coverage that exceeds what your homeowners insurance or automobile policy covers.

Home Insurance thumbA personal umbrella insurance policy is a form of insurance that provides you with liability coverage that exceeds what your homeowners insurance or automobile policy covers. At Wise Insurance Agency, LLC, we can help you determine if this form of insurance would benefit your personal situation and introduce you to the coverage options available to you.

It is important to keep in mind that not everyone in Florida technically needs personal umbrella insurance. However, if your liability coverage isn’t enough to cover you in a car accident or after an incident occurs on your property, your personal umbrella policy would kick in and take over when your other liability limits have been reached. For example, a personal umbrella insurance policy could be highly beneficial in the following situations:

 

  • A repairman slips and falls on the pavement exiting your home, resulting in an injury award that is in excess of your home insurance liability coverage.
  • While driving to work, you swerve to avoid hitting a dog in the road and collide with a motorcyclist. As a result, the motorcyclist’s medical and repair bills total more than what your auto insurance policy covers.
  • Your family dog bites a child visiting your property and causes a serious injury that results in expensive medical bills.

Not only can a personal umbrella insurance policy protect your financial interests, but it can give you greater peace of mind knowing that you will always be covered, regardless of what occurs. To receive a free quote on this form of insurance, contact us at Wise Insurance Agency, LLC today.

Personal Umbrella Insurance

Wise Insurance