Personal Umbrella Insurance – Spokane, WA

Protect your assets with personal umbrella insurance in Spokane, WA from Legacy Insurance LLC. To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy.

What’s Peace of Mind Worth to You?

Umbrella Insurance Agent Spokane, WAAn umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal compared to the comfort of knowing you’re covered.

Do You Have Enough Liability Insurance?

Imagine what would happen if your dog was to bite a neighbor’s child, or if there was an accident on your rental property. What would happen if a fire in your condo spread to other units? If any of these things happened to you, there’s a good chance your current liability limits wouldn’t be adequate to protect your assets, or your future earnings.

Liability Insurance Starts When the Others Stop

Once the liability limits are exhausted on your home, auto, or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available. Talk with Legacy Insurance LLC to determine the right amount of coverage for your needs.

Broad Coverages

An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world. Legal defense fees are also paid.

The right coverage for you is unique – talk to Legacy Insurance LLC today to find out how to protect yourself, your family and your future with the right personal umbrella insurance for you. Just call 509-960-2550 to speak with one of our agents and determine the right coverage for you.

Frequently Asked Questions about Personal Umbrella Insurance

Who needs a personal umbrella insurance policy?

Anyone who wants additional liability coverage for their home, auto, boat or rental insurance property should get an umbrella insurance policy. Umbrella insurance gives you above and beyond insurance protection.

What are the limits available for umbrella insurance?

Typically umbrella insurance policies are available in $1 million – $3 million. While uncommon, higher coverages can be found.

In what situation would an umbrella policy come in handy?

There are countless situations where umbrella insurance would come in handy. Here is one example:

You get into a car accident where you are at fault. Your insurance policy covers you for $500,000 in 3rd party damages. However, the other individuals in the car accident needed medical attention and future treatment for rehabilitation. On top of that, their car was totaled. The total damages for the other party are more than $650,000.

You are responsible for the remaining $150,000 that your $500,000 insurance policy did not cover. If you have an umbrella insurance policy, it would then kick in to cover this excess liability. If you do not have an umbrella policy, would you be able to foot the bill? If you cannot pay for the remaining balance, a court may issue your future wages to be garnished.

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