An umbrella policy makes it less likely this will happen by extending liability coverage from all other insurance policies. This better protects your assets, including the equity in your home, and your future earnings. Additional underinsured motorist coverage is also available under umbrella insurance. We access insurers brokers cannot, and often offer superior premiums and coverage.
The goal is to never run out of liability coverage, as the target can shift from the insurance company to yourself.
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Insurers We Work With
We work with a variety of Insurers but here are a few of our most popular.
Available Umbrella Coverage
Liability coverage protects you financially if you were to hurt someone or damage their property (usually their car). If you run out of coverage, your assets (including the equity in your home) and future earnings are put at risk. This is why it is important to carry the high liability limits that can only be found with an umbrella insurance policy.
Underinsured motorist coverage provides coverage for medical expenses, lost wages, and pain & suffering if you were hit by someone that was uninsured or underinsured. Estimates are that about one in five drivers in Washington is uninsured, and many more are underinsured (carry low coverage limits.) You might have good health insurance, and you might even have disability insurance, but it is rare for someone to have coverage for pain and suffering outside of an auto insurance policy, and most would want ample compensation if they were, say, permanently disabled by an underinsured driver. Only an umbrella policy can offer limits of $1 million.
With our easy process, you can rest assured knowing that you are getting the best value and most coverage in Greater Seattle.
Collect the bare minimum information.
Present a quote, including all available discounts.
Offer recommendations to improve coverage or lower premium.
Bind coverage and provide insurance documentation.