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To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy.

Personal Umbrella Insurance

When it’s raining outside, you grab an umbrella. Why? To protect your clothing, hairstyle and anything you might be carrying from getting wet and potentially ruined. Why would you treat the protection of your property or assets any differently? Don’t let the “thunderstorms” come without protection – consider purchasing a personal umbrella insurance policy. After all, being protected is always a good thing.

What exactly is a personal umbrella insurance policy? It’s an add-on to your existing policies, whose primary goal is to help protect you from any claims and lawsuits. It provides additional coverage above and beyond the covered limits of your homeowners and vehicle (including boats) policies. It’s a very affordable means of protecting your assets and therefore, your future.

You may ask yourself if you really need that extra protection. It’s easy to make that determination by asking yourself if you do or have any of the following:

  • Operate a vehicle
  • Own pets
  • Have house guests periodically
  • Operate a boat or any other watercraft

If you checked “yes” to any of the above, you’re answer is “yes” – you will want to consider purchasing an umbrella policy.

Your next question might be to determine if this policy addition is really necessary since you already have good homeowners and automobile insurance. Yes, that’s true. But there are probably some areas not covered. Today the number of uninsured and underinsured drivers is high. The National Association of Insurance Commissioners ( states, “According to the Insurance Research Council, nearly 13% of motorists, or about one in eight drivers were uninsured in 2014.” And that figure has most likely risen. Also, bear in mind that that figure doesn’t include underinsured drivers. Umbrella insurance will protect you in an auto accident when you are at fault as often your auto insurance policy will fall short of covering extreme auto damage and medical bills.

Umbrella insurance also covers other areas in your homeowners policy should a guest fall or get hurt at your home. Or, if your dog bites anyone at your home, you are covered for those extra expenses. It also protects you if you are being sued for causing harm to another person or property by covering some legal fees above what your main policy covers. If you didn’t have the umbrella policy, you could be expected to pay the extra costs (above your insurance limit) out of pocket, or have liens placed on your home, have your wages garnished, etc.

Now that you know you need umbrella insurance, you still need to determine how much coverage you need. Most umbrella policies begin with a minimum of $1 million. That may seem like an overwhelming amount, but consider how much medical care, recuperative therapy and property repair and replacement (such as vehicles and homes) cost and it becomes clear that $1 million can be used up quickly!

Give all of this some thought and sit down with us to discuss your personal umbrella insurance needs. Be prepared in case it rains!

Love Bites - Get Umbrella Coverage

For couples or families with pets, you may want to consider an Umbrella Policy

In today’s economy, everyone is pinching pennies.  So, why worry about umbrella coverage when your Florida insurance agent comes calling?  Shouldn’t your home and auto policy already leave you adequately covered?

Unfortunately, we live in a world of lawsuits.  Large damages can be awarded, be extremely expensive and have long-term financial impact.  Those lawsuits can stem from unlikely sources, such as our furry friends.

Our team has dealt with people suing against others animals just for money. Lawsuits such as these can easily exceed the limits on a homeowner’s policy, leaving the insured responsible for the remainder.  An umbrella policy would prevent that, giving you an extra $1 million to $5 million in coverage.

Dogs can put your assets at risk in other ways as well. 4.5 million people are bitten by dogs each year, with half of those occurring directly on the owner’s property.  Dog bites, according to the Insurance Information Institute, account for about a third of all homeowner’s insurance claims, which only cover limited damages.

Protect what you love - Talk to us at ARCW today about your umbrella options.

At ARCW, our knowledgeable insurance agents are here to get you the right policy for your needs. Unlike some of the national insurance agencies, we know who our customers are and work with them one-on-one to get the right coverage at the best price. Contact us today to get your free quote and see how much you could save.