Personal Umbrella Excess Liability Insurance

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Survive Catastrophes with a Personal Umbrella Insurance Policy
You know that you need insurance to protect your family and your livelihood. The real question is what you’ll do when your damages exceed what your policy covers. Umbrella liability policies from Lester, Greene, McCord and Thoma Insurance in Tullahoma, Tennessee make it possible to expand your coverage further and ensure your lasting security.

What Is Umbrella Insurance Coverage?
An umbrella policy is meant to cover claims that are big and can offer excess coverage that will go over the limits of your home, auto, or other underlying policies.

For example, someone falls at your home and injures themselves very badly. If your homeowners policy has liability coverage at $300,000 and the person ends up having $500,000 in medical bills, an umbrella policy would really be needed here. It could offer coverage for the $200,000 difference that the homeowners would not have covered due to exhausting the homeowners policy limits.

What Should Your Umbrella Policy Cover?
Everyone is different, so it can be difficult for policyholders to design comprehensive coverage plans. That’s why our staff works extremely hard to identify policy terms that respond to your needs.

Like regular policies, umbrella insurance coverage varies widely. It’s important to choose terms that protect you from the kinds of risks that you could encounter. Your coverage needs to account for not only the limits of your existing policy but also the nature of your assets and the potential damages and legal judgments that you might be held responsible for.

We dedicate ourselves to providing the best umbrella insurance coverage so that you can live your life to the fullest. Whether you end up facing unsustainable medical expenses or property damage costs, Lester, Greene, McCord and Thoma Insurance policies make it possible to deal with claims and payments without burying yourself in debt or stress.

If you are interested in a personal lines umbrella policy, give us a call right at (931) 455-3453 to speak with one of our helpful representatives about getting a free quote for your umbrella policy in Tullahoma, Manchester, Winchester, Lynchburg, Decherd, Shelbyville and surrounding areas. We make sure that you get the insurance coverage you need so that your business is ready at all times for the unthinkable.

This content represents only brief statements that relate to coverages. Please consult your independent agent for specific coverages, conditions and exclusions, as well as information about other fine products from Lester, Greene, McCord and Thoma Insurance.
Top 5 Questions on Personal Umbrella Insurance

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