Insurance that can keep you covered… all of you.
When your purchase umbrella insurance, that is exactly the type of coverage you get: additional protection.
Envision an umbrella in your mind – that is exactly how an umbrella policy works. This type of insurance is a liability only insurance policy. Basically, it sits over the top of your other insurance policies. With umbrella insurance, you can add additional liability coverage to your business or personal lines of insurance.
How does umbrella insurance work?
An umbrella insurance policy covers unexpected liability issues that arise in excess of what your basic insurance policies provide. For example, your homeowners or auto insurance policies may only cover your liability up to a certain financial amount, umbrella insurance would kick in after that liability ran out. Your umbrella insurance policy puts you under its umbrella – meaning you can still be protected!
Why should I purchase umbrella insurance?
Perhaps you do not think you need an umbrella policy. However, if something happens and the cost of repairing damages, replacement costs or even legal costs exceed your liability coverage, what happens? Who is responsible for paying the additional expenses of an incident that occurs and costs much more than the limits of your policy?
This is why umbrella insurance is typically considered a good idea by many individuals. It is generally low-cost and provides enough coverage to help you not have to worry about liability costs.
The good news is additional liability insurance is often inexpensive. And when you come to Kramer Insurance Center for your insurance needs, we can work with whatever your budget is.
No matter where you live, when you come to Kramer Insurance Center, obtaining additional protection is easier than ever. Whether you live in PA or NJ, all you need to do is give us a call. Or, you can fill out the online quote form, or even stop by our office. Once we get to know you and your needs, we can build you a policy that can offer you the additional protection you want!