Umbrella Insurance

You work hard to ensure your family's protection against unforeseen events. But what happens when a catastrophic event occurs that exceeds your normal home and auto policy limits? This is where having an umbrella insurance policy becomes important. Just as the name implies, an umbrella policy acts above and beyond where your regular liability policies leave off. This type of coverage is designed to act as a buffer and help keep your family financially guarded in the case of a major claims incident. Some policies even cover you while you are traveling domestically and abroad.

Here is how it works. In the event of an incident, your auto or home insurance liability will take effect first. If the damages exceed those limits, the umbrella policy will then take over.

Who Needs Umbrella Insurance?

Those who are excellent candidates for an umbrella policy include:

  • Anyone who owns their home
  • Business owners
  • Anyone with significant annual income
  • Those who travel frequently
  • Anyone else with increased risk

Parents of teenage drivers should also consider purchasing an umbrella insurance policy. Why? Youthful drivers are more likely to be involved in a serious, at-fault auto collision than any other demographic. The easiest way to protect yourself financially is by planning ahead and having an umbrella insurance policy.

How Does it Work?

Umbrella insurance policies are available in a range of different increments. Deciding which one works best for your financial needs is dependent on a multitude of different factors. Speak to one of our independent insurance agents today to learn more!

At Johnson & Boge Insurance Group, we believe in making sure our customers are insured to their exact needs. We are independent insurance agents who work with a variety of different carriers—helping you find the right one for your unique situation and budget.

As one of the most trusted Johnson & Boge Insurance Group umbrella insurance agents, we take pride in helping our customers find the coverage they need. Please call us today for more information or a no-obligation quote.