General, Umbrella Insurance

What is Umbrella Insurance?

Do you own a home? Do you have retirement accounts? Stocks? CDs? Do you ever travel outside the country? Does your income level, combined wages or future earnings make you a target? If the answer is ‘yes’ to any of these questions then you may want to consider Umbrella Insurance.

Umbrella Insurance provides additional liability protection above and beyond the standard limits of your primary policies. The term “umbrella” is used because it covers liability claims from all policies underneath it, such as auto insurance and homeowners insurance policies.

Imagine if your dog were to bite a neighbor’s child. Or if there’s an accident on your rental property. Or a fire in your condo spreads to other units. What would happen if you or a family member missed a stop sign and struck and killed a pedestrian? 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.

Give us a call to discuss your policy and ways to protect your assets and your future. – Kalmbaugh Insurance Agency, Inc.

Gene Kelly, 'Singing in the rain!' (1952)

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