Umbrella Insurance
Great Rates, Service and Coverage From Reputable Insurers.
The goal is to ensure you never run out of liability coverage, as the responsibility could shift from the insurance company to you.
An umbrella policy helps reduce the likelihood of this happening by extending liability coverage from all your other insurance policies. It provides better protection for your assets, including your home equity and future earnings. Umbrella insurance also offers additional underinsured motorist coverage. We work with insurers that brokers can't access, often offering superior premiums and coverage.
Available Umbrella Insurance Coverage
Liability coverage protects you financially if you were to hurt someone or damage their property (usually their car). If you run out of coverage, your assets (including the equity in your home) and future earnings are put at risk. This is why it is important to carry the high liability limits that can only be found with an umbrella policy.
Underinsured motorist coverage provides coverage for medical expenses, lost wages, and pain & suffering if you were hit by someone that was uninsured or underinsured. Estimates are that about one in five drivers in Washington is uninsured, and many more are underinsured (carry low coverage limits.) You might have good health insurance, and you might even have disability insurance, but it is rare for someone to have coverage for pain and suffering outside of an auto insurance policy, and most would want ample compensation if they were, say, permanently disabled by an underinsured driver. Only an umbrella policy can offer limits of $1 million.