Personal Umbrella Insurance in Cary, Apex, and Holly Springs, NC

Personal umbrella insurance is liability insurance that can help provide additional coverage limits beyond your regular homeowners, auto or watercraft policies. If you owe a more significant sum than what your existing insurance will pay, you could find yourself paying out-of-pocket amounts that you don’t have the funds for. Umbrella insurance can be a safeguard to protect your life savings so you don’t find yourself in a financial bind. Our Inspro Professionals of NC, Inc. agents can help you determine if umbrella coverage could benefit you.  

What Is Personal Umbrella Insurance?  

Personal umbrella insurance is a policy designed to provide extra liability coverage over and above the limits of your original policies, such as homeowners, auto or watercraft policies. A personal umbrella insurance policy includes liability protection such as auto bodily injury, landlord insurance, and property damage. In addition to extended coverage, a policy can provide coverage for specific claims not covered by your original policies, such as libel, slander and false imprisonment.  

How Does Personal Umbrella Insurance Work?  

Umbrella insurance will cover the policyholder and additional members of your family or household. For example, if your spouse is liable for an automotive accident that caused significant damage, your personal umbrella insurance policy would cover your spouse’s liability costs. The incident does not have to involve your property or vehicles for your insurance to provide coverage.  

What Does Personal Umbrella Insurance Cost?  

The cost of a personal umbrella policy varies depending on how much coverage is purchased, where you live and the risk of insuring you. The more coverage that is needed, the higher the cost of your premium will be. Discuss the variables that could affect your premium costs with an agent.  

Get Started With Coverage 

At Inspro Professionals of NC, Inc., we’re committed to providing you with the best overall protection possible if you’re considering personal umbrella insurance or have further questions about how a policy could benefit you, contact an agent today.