Personal Umbrella Insurance

An Extra Layer of Personal Protection

A personal umbrella insurance policy will fill in the gaps left by standard homeowners and auto policies. This extra liability policy is purchased in addition to these common policies, specifically with liability claims in mind. If you are held responsible for an incident or injury where you are held responsible, this is where an umbrella policy comes into play.

Umbrella insurance is purchased when your main policy has liability coverage limits that are too low for your needs. It will only pay out when your main policy has already paid out in full and just for the remainder of your costs.

Our experienced agents at Howard Clare Insurance are here to help walk you through choosing the right umbrella policy to meet your needs. You can count on an agency that has served Terre Haute, IN and the surrounding region since 1920. Give us a call today to get started. An umbrella policy may be more affordable than you think!

How Do Umbrella Policies Work?

If your auto policy covers liability up to $500,000, but you cause an accident that leaves the other driver with medical bills exceeding this amount, your main policy will pay out in full. Then the umbrella policy will pay out everything beyond the $500,000.