Why should I have an umbrella policy?

Umbrella coverage supplements your other policies, such as auto, home or renters insurance. An umbrella policy covers a much higher limit and goes above and beyond claims directly relating to your home and auto. The main purpose of an umbrella policy is to protect your assets from an unforeseen event where you are held responsible for damages.

How will umbrella coverage affect my other insurance plans?

There are often liability requirements for existing policies on the primary home and auto to warrant umbrella coverage.

Adding an umbrella plan to your insurance package is an excellent way to make sure your assets are protected in the event of a larger liability claim. The amount of coverage provided compared to the premium charged make these plans a smart option for almost anyone.

Millhiser Smith has carriers that will write umbrella policies to add to your home and auto package. We can also offer standalone umbrella policies. Several of our carriers will discount home and auto policies when you add an umbrella plan. Contact us or talk with one of our risk consultants for examples of how umbrella policies have prevented serious financial loss in everyday situations.