preheader
Home Page
Free Insurance Quotes

 

Auto Insurance Business Insurance Home Insurance Farm Insurance Life & Health Insurance Specialty Programs

Umbrella Coverage


Umbrella Coverage Information

Insurance policies have limits that help to control your premium costs. In addition, these limits help insurers ensure that they are able to fulfill their financial responsibility and meet the claims needs of their policyholders. But limits leave you with some exposure to financial loss, because any claims that exceed the amount of a policy’s limit must be either paid for out of your pocket or be unrecovered. An umbrella policy can fill the gap that exists between your limits and your potential claims.

Umbrella policies extend the coverage limits of many types of liability insurance policies such as home and auto.  It can provide $1 million or more in additional coverage to each of those policies you have. For example, when an auto insurance policy has a $250,000 limit and you injure another person in an accident, the medical expenses and lawsuit could cost much more than that. Having the added protection of an umbrella policy gives you another $1 million or more to put toward those costs. This keeps your savings intact while satisfying the financial obligations you have. Umbrella insurance can also provide protection for situations that would be excluded by other policies, such as when you are accused of slander or libel. Umbrella insurance isn’t just for personal coverage; it can also be purchased by a business in order to extend the reach of its various liability policies.

No matter how aggressive your liability insurance policy limits are, the inexpensive addition of umbrella insurance is a great, affordable way to extend your protection and meet whatever comes your way in the future. 



Request a Quote
Online Payment
File a Claim
Request a Change
Review Your Policy

Find more about Weather in McMinnville, TN
Click for weather forecast

One Agent RepresentingMany Companies

Insurance Coverage
Auto Insurance
Home Insurance
Umbrella Insurance
Other Types of insurance...
Agribusiness Insurance
Commercial Insurance
Specialty Insurance

Please note that we cannot bind insurance via email, fax, or phone. Any quotes given are subject to underwriting guidelines by the respective insurance carriers. Any reference of coverages used are not intended to express any legal opinion as to the nature of coverage, but rather just a brief generalization of coverages. Please read your policy for specific details of coverages.
Site Footer
D & L Agency, Inc. 469 N Chancery St. | McMinnville, TN 37110 | Phone: 931-474-0044Powered by Insurance Website Builder
Mobile Site