Personal Umbrella

   In today’s litigious society it is important to have your assets properly covered by insurance. If you cause harm beyond your insurance limits for say a car accident, you do not want your house, land, boat, motorcycle or any of your important property to be at risk. If you were to be sued and received a judgment against you, these assets could be at jeopardy so it is crucial to have enough insurance to cover your legal liability.

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Umbrella coverage is not your first form of defense against actions placed upon you. Your motor vehicle insurance and homeowners, depending upon how and where the damages where caused, are your first line of insurance coverage; if their limits are exceeded your umbrella policy would kick in.
Your umbrella policy would start where your other liability insurance ends. So if an action or judgment against you was for $800,000 and your homeowner’s liability only covered you up to $400,000, the umbrella policy would pay the claim above the $400k up to the limit of your umbrella policy. Without the umbrella policy you would need to find the extra $400,000 on your own to pay the judgment.

Please give me a call today:

Feel free to contact me at my direct line, 440-210-1634 for a no obligation review and quote of your personal  insurance needs. You will either find out that we can save you money (many times 30-50%), or that you are already properly covered and getting a good rate. It's a win-win for you!

Thanks,

        Tom Petti

 tompetti@insureitohio.com or 440-210-1634

A Personal umbrella policy is a great way to add coverage at an affordable price.

To cover your legal responsibilities, a personal umbrella liability insurance policy can help protect you. An umbrella policy is supplemental coverage to be added onto the auto and home insurance that you already carry. There are misconceptions that umbrella policies are only for the wealthy but they are not. Any person or family that has assets to lose can obtain a policy to protect their property.