Umbrella Insurance

Call  916-773-3800 to speak with an ISU representative.

Umbrella insurance refers to a policy that protect the assets and future income of the policyholder and specifically fills in the gaps of on their primary policies. It is not to be confused with excess coverage.  Excess coverage goes into effect only when all other underlying policies are totally exhausted, while umbrella is able to conveniently fill coverage gaps in said underlying policies. The term umbrella refers to how this policy shields the insured more extensively than a standard policy  and covers the liability claims of all policies underneath it.

Why purchase an Umbrella Insurance Policy?

Umbrella insurance is designed to give one added liability protection above and beyond the limits on homeowners, auto, and watercraft personal insurance policies. With an umbrella policy, depending on the insurance company, one can add an additional 1-5 million in liability protection. This protection is designed to “kick-in” when the liability on other current policies has been exhausted.

A personal liability umbrella insurance policy can give one added liability protection without a large added cost. Additional liability insurance is often inexpensive, especially compared to the added coverage one gains. Furthermore, liability insurance covers one’s non-business activities anywhere in the world. Having the added protection of a liability umbrella policy is coverage no one should go without.

How to shop for an Umbrella Insurance Policy?

Call 916-773-3800 to speak with an ISU representative.