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Home > Blog > Who could benefit from an umbrella policy?
FRIDAY, FEBRUARY 7, 2014

Who could benefit from an umbrella policy?

Who could benefit from an umbrella policy?

Anyone who:

  • Drive a car or let someone else use their car
  • Host dinner parties or other gatherings
  • Participate in carpools or other group activities
  • Own a home, rental properties or multiple residences
  • Have young drivers in their household

What triggers the use of an umbrella policy?

Nearly 85% of umbrellas payments on umbrella claims are related to auto accidents, and over the past 12 months, 30% of those claims involved a pedestrian, motorcycle or bicycle. Below are a few examples of recent claims, all of which required a payout of more than $1 million. That’s much higher than any auto policy limits, so consider what might be right for your as we offers limits up to $5 million.

  • Policyholder hit gas instead of brake by mistake and ran through the front of a restaurant, seriously injuring several people.
  • Policyholder didn’t see a motorcycle and pulled out, causing the motorcyclist to hit the side of the customer’s car. 
  • Policyholder's car went off the road. The driver overcorrected, causing the vehicle to roll multiple times.
  • Policyholder's son was allegedly driving under the influence and hit a bicyclist.
  • Policyholder accidentally set a fire in his apartment which spread to other units. 

What makes our agency great choice for you?

  • Customers can select from $1 million to $5 million in additional liability coverage.
  • We offers a "true” umbrella while many other carriers only offer an "excess" umbrella product. We may cover other losses that otherwise would not be paid at all such as an auto accident in another country or libel or slander.
  • We can offer umbrella products that  is open peril, so if it's not specifically excluded, then it's covered!
  • Customers may be eligible for a discount on their homeowners policy when the umbrella is written with Safeco.

Please contact us at service@suzannebrownagency.com  or phone number 281-558-2210 to discuss what coverages you may need.

Posted 7:50 PM

Tags: umbrella coverage, houston insurance, houston home insurance, katy insurance, woodlands insurance, excess liablity coverage
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