Do I need it?
Yes, most individuals should have umbrella coverage. Life sometimes throws you a curveball and you need to be prepared. Sometimes your underlying home and auto liability limits are not adequate to cover large incidents that happen in your life. The Brighton Pittsford Agency can offer umbrella limits ranging from $1 million to $10 million.
Example: Luke has a party and one of the guests slips on a wet floor and fractures his spine. His recovery included a long stay in the hospital that maxed out Luke’s $300,000 liability limit on his homeowners policy. Luke’s $1 million umbrella policy, then kicked in to pay for any additional costs related to his guest’s fall. Without the umbrella, Luke might have been held responsible for those expenses.