Personal umbrella insurance is a type of insurance that provides additional liability coverage beyond what is offered by your other insurance policies, such as auto insurance and home insurance. It can protect you from financial losses if you are sued for damages that exceed the limits of your other policies.

Personal umbrella insurance is especially important if you have a high net worth or own significant assets. It can also be beneficial for people who have professions that carry a high risk of liability, such as doctors, lawyers, and business owners.

What Does Personal Umbrella Insurance Cover?

Personal umbrella insurance typically covers the following:

• Bodily injury liability: This covers damages for injuries to others, such as medical expenses, lost wages, and pain and suffering.

• Property damage liability: This covers damages to other people's property, such as repairs or replacement of damaged items.

• Personal and advertising injury liability: This covers damages for non-physical injuries, such as defamation, slander, and invasion of privacy.

Personal umbrella insurance can also cover certain types of claims that are not typically covered by other insurance policies, such as:

• False arrest: This covers damages if you are falsely arrested or imprisoned.

• Medical malpractice: This covers damages if you are sued for medical malpractice, even if you are not a healthcare professional.

• Employment practices liability: This covers damages if you are sued for an employment-related claim, such as wrongful termination or discrimination.

How Much Personal Umbrella Insurance Do I Need?

The amount of personal umbrella insurance you need will depend on your individual circumstances. However, most experts recommend that you have at least $1 million in coverage. If you have a high net worth or own significant assets, you may need more coverage.

How Much Does Personal Umbrella Insurance Cost?

The cost of personal umbrella insurance will vary depending on your insurance company, your age, your location, and the amount of coverage you purchase. However, personal umbrella insurance is typically very affordable, especially considering the amount of coverage it provides.

Why Should I Buy Personal Umbrella Insurance from Deerfield Advisors?

Deerfield Advisors is an independent insurance agency that works with multiple insurance companies to find the best coverage at the best price. We have a team of experienced and knowledgeable insurance agents who can help you understand your personal umbrella insurance needs and find the right policy for you.

We are committed to providing our clients with the highest level of service and support. We are here to help you with all of your insurance needs, from choosing the right policy to filing a claim.

Get a Free Personal Umbrella Insurance Quote Today

If you are interested in getting a free personal umbrella insurance quote from Deerfield Advisors, please contact us today. We can help you find the right coverage for your needs and budget.

Here are some additional benefits of buying personal umbrella insurance from Deerfield Advisors:

• We offer a variety of discounts, including safe driving discounts, multi-policy discounts, and military discounts.

• We can help you bundle your personal umbrella insurance with your other insurance policies to save money.

• We offer 24/7 customer service and claims support.

If you are looking for affordable and reliable personal umbrella insurance, Deerfield Advisors is the best choice for you. Contact us today to get a free quote.