Umbrella policies provide vital coverage for people who own a home, an automobile, and/or a boat. If you cause an accident, do you have enough coverage from your current policies to protect you? With limited coverage availability on your homeowners, car, and watercraft insurance, these policies can be easily exhausted if you are slapped with a lawsuit (especially here in South Florida!). Umbrella policies are designed to give added liability to the limits of home, auto, and boat insurance coverage’s. An umbrella policy will kick-in when these resources have been depleted and are not able to completely cover the costs of your accident. In the days of old, most thought umbrella coverage was a right reserved for the rich. Back then, most insured only carried basic auto, liability and homeowner’s insurance which provided plenty of coverage. An umbrella policy can provide protection from the “storms of life” in a day when lawsuits are common and judgments are high. Contact our office today to find out how YOU could benefit from an umbrella policy: 800.927.9277 or visit us online for a quote!
1. Drive Less for and get a discount
Some carriers will discount your premium with a low-mileage discount if you drive less than 7,500 miles per year. Also ask your agent if you can receive a commuter discount for using public transportation.
Uninsured Motorist Bodily Injury covers you, the other people on your policy and your passengers for damages or death caused by an uninsured motorist.