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A standard policy insures the home itself and the things you keep in it.

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Why Should You Consider an Umbrella Policy?

You've worked for years to be where you are—to save for retirement, own a nice home, a car or two, maybe even a boat. These aren't just markers of a successful life; they are your family's financial future and security. All of it could be at risk as a result of an accident or liability lawsuit.

Accidents Do Happen

We try to avoid them, but accidents do happen. If you were to cause a major auto accident involving major property damage and/or extensive injuries to other parties, your hard-earned assets could be at risk. The cost of the property damage, injuries to other parties, and/or subsequent lawsuits could quickly and easily exceed the limits of your auto insurance. That's why you should consider a Personal Umbrella Policy. It steps in to protect you over and above the limits of your auto policy. An umbrella policy can help protect your assets and prevent financial hardship.

Lawsuits Are Costly...And Not Uncommon

It's not just auto accidents you need to worry about. You need to protect yourself from other types of accidents as well. Imagine this: You're having a graduation party and someone slips, falls, and is injured. Think you won't be sued? Think again. In today's society, lawsuits are common...and costly. A lawsuit could destroy your financial security, but an umbrella policy could protect you.

The Protection You Need

So how exactly can a Personal Umbrella Policy protect you? Basically, it offers protection over and above your auto and homeowners policies. Think of an umbrella policy as added protection. You get into a car accident, you're sued, and your auto policy only covers you up to a certain amount. Then what? Well, your umbrella policy kicks in and covers you for an additional amount...up to the limit you choose on your umbrella policy. It's added protection, plain and simple.

Coverage limits on an umbrella policy start at $1 million and can go as high as $10 million for qualified applicants. And rates are lower than you may think. It is protection you should seriously consider.

Contact us and see how we can save you money today!
Baldwin Insurance Agency
200 N. Jefferson Suite A
Kearney, Mo 64060
Phone (816) 628-0092
Fax (816) 635-9097

Posted 11:56 AM  View Comments

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