So you’re looking for a little extra protection? Look no further.
Umbrella insurance. Picture it in your mind. That’s exactly what it is! What do we mean?
Umbrella insurance is extra liability insurance that you can add on to your existing personal or business lines of insurance. Essentially, it is designed to help protect you from claims or lawsuits where the cost exceeds the scope of your existing liability on any of your insurance policies.
At Metropolitan Insurance Service Consultants, Inc, we offer you a wide variety of insurance policies, but with umbrella insurance, you can get added protection for any or all of them, and we like when we can offer you extra protection!
For over 50 years, our agents have strived to provide the best service – offering a personal connection and the experience needed to give you what you need. One call is all it takes to get you on the right track to being protected. One call is all you need to start asking questions and getting answers for all of your personal insurance needs. And one call is all it takes to put an umbrella over it all!
Okay… maybe not a literal umbrella…
What Does Umbrella Insurance Cover?
Umbrella insurance provides additional liability coverage exceeding the limits of your existing insurance policies. This can include homeowners, auto, or even business, to name a few. Additionally, it provides coverage for certain circumstances, which may not be covered by liability on existing policies.
- Bodily Injury Liability
- Property Damage Liability
- Rental Liability
- False arrest, Imprisonment, or Detention
- Personal Liability Situations
- And more…
Basically, with an umbrella insurance policy, you can obtain increased protection. Let’s say for example that you are involved in an auto accident and the cost of injuries or property damage exceeds the liability limits of your standard auto insurance policy. This is where your umbrella insurance kicks in. Your auto insurance would cover the cost of damages, up to the liability limit, and, instead of the rest being out of pocket expenses for you, your umbrella insurance could cover the rest. Talk about a stress reducer!
An umbrella insurance policy can start with coverage limits as low as $1 and go as high as $10 million if you are qualified. With all of the added protection they can provide, many individuals find them to be well worth the minimal extra cost.
Do you want to know if an umbrella policy is for you? Do you want to experience the difference a personal insurance agent makes in your life? Then give us a call at 888-822-6519 today!
Our agents are looking forward to hearing from you, meeting you, and walking with you side by side through all of life’s insurable problems.