Umbrella Insurance

With increased assets, comes increased exposure to loss. Protect your family and your possessions with umbrella insurance from Mountain America Insurance.

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Umbrella Insurance

With increased assets, comes increased exposure to loss. Protect your family and your possessions with umbrella insurance from Mountain America Insurance.

Umbrella insurance is designed to protect you by:

  • Extending the liability limits of your homeowners insurance, car insurance or other applicable policies, when your coverage limits have been exhausted
  • Providing a broader coverage scope than your existing policies already provide
 

Why You Need Umbrella Insurance

It can provide $1 million to $10 million of extra liability coverage, protecting assets like your home, auto, RV, motorcycle, boat, wages and investments, such as retirement savings.

When would you use umbrella insurance? Imagine the following situations:
  • You are at fault in a major car accident that causes damage to multiple vehicles and results in excessive medical expenses for the other drivers involved, with damages totaling well over your $300,000 car insurance coverage limits.
  • Your family pet bites and seriously injures a neighbor’s child, causing extensive medical bills that exceed your homeowners policy coverage.

How Much Umbrella Insurance Do You Need?

The easiest way to calculate the amount of umbrella coverage you need is by:
  • Totaling the dollar amount of your assets (include your home’s value, investments, value of personal property, amount of money in the bank and value of your future wages).
  • Totaling the amount of liability coverage from all of your insurance policies.
  • Reviewing the totals of your assets and insurance coverage to see if you are covered sufficiently. If there is a gap between the two totals, you would want to open an umbrella insurance policy to cover the gap.

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