Insurance to cover anything left over.
What's peace of mind worth to you?
No, it's not for actual umbrellas. An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal compared to the comfort of knowing you’re covered.
Learn more about Umbrella Insurance, what it's for, and what it covers in the section below.
What is umbrella insurance?
Umbrella insurance is usually a "catch-all" type of policy. Imagine what would happen if your dog was to bite a neighbor’s child, or if there was an accident on your rental property. What would happen if a fire in your condo spread to other units? 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. That is what Umbrella Insurance is for.
How does it work?
Once the liability limits are exhausted on your home, auto, or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available. Talk with Allegiance to determine the right amount of coverage for your needs.
How much does it cover?
An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world. Legal defense fees are also paid.
Umbrella Insurance does not replace home and auto.
Only consider getting an Umbrella Policy if you have fully explored or talked with an agent about your home and auto policies. This kind of insurance does not act as a replacement, but rather as an add-on.
Leave no doubts in your mind.
The right coverage for you is unique. Talk with an Allegiance staff member today to find out how to protect yourself, your family and your future with the right personal umbrella insurance for you. Still not sure if it is right for you? Just talk about your concerns with one our staff members, and we can use our knowledge to help determine if this is the right fit for you and your family.