The metaphor of an umbrella is not lost on us desert dwellers. Umbrella Coverage protects families from getting burned by severity claims that exceed your underlying liability coverages. Should a claim or lawsuit go beyond your home or auto limits, your personal umbrella policy provides an extra layer of protection and legal defense. This protects your bank accounts, investments, and retirement savings.
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We don’t want you to pay more than you should either. We will steer you towards savings.
We have been helping Arizonans for almost 40 years. We are your local insurance advocates.
That depends on your personal factors. For a needs analysis, our agents can help steer you toward the coverage you need.
According to Progressive, the average cost of a $1M umbrella policy is $383 per year for an individual with one home, two cars, and two drivers.
Yes. An umbrella policy adds an additional layer of liability coverage for your home and auto policy. This can help insulate you from severity claims and provide a deeper fund for litigation support.
Your umbrella policy does not provide coverage for your injuries or damages to your personal property. It also does not cover criminal or intentional acts that cause damage to third parties.
Your umbrella policy will articulate if defense costs are inside or outside of your policy limits. Most policies provide legal defense outside of your policy limits which prevents your limit from eroding.
