You work hard for your money, and you work hard for the lifestyle that you have. That being said, it's crucial that you feel great about protecting your assets. That's where personal umbrella liability insurance comes in. 

Not only can it help give you peace of mind, but it can help you protect what is rightfully yours. Not only that, but umbrella liability insurance kicks in when your other insurance policies are exhausted. 

For example, if someone is seriously injured on your property and your homeowners insurance liability limit is not be high enough to cover all of the expenses, you may find yourself having to pay out of pocket for medical expenses. When you just don't have that money, it can make your life a living nightmare.  

Another example would be if you were to hit a bicyclist with your car. Your auto liability limits may not be high enough to pay for their injuries. For instance, say you were involved in an at fault auto accident with a bicyclist and the jury awarded him $1,500,000. If you carried a $300,000 combined single limit of auto liability insurance, your auto policy would pay $300,000 of the verdict and you would be personally responsible for the remainder of the verdict. If you also carried a $5,000,000 umbrella policy, the umbrella policy would pay the remaining $1,200,000 of the verdict.

Without an umbrella insurance policy, where will you get the money to cover those expenses? If you find yourself worrying about the what-ifs in life, personal umbrella insurance is crucial. 

At The Russell Agency, LLC, we provide a variety of personal umbrella coverage options to ensure that you feel great about your protection. 

You never know what can happen, but you can control the coverage you have to help you in the event of the unthinkable.

If peace of mind means everything to you and your family, having personal umbrella insurance can help you live an all-around better life. If you're interested in learning more about how this kind of insurance can help you, contact The Russell Agency, LLC at 203-255-2877. 

We'll talk you through our coverage options as well as help you decide how much coverage you need based on other insurance packages that you currently have. 

You won't have to make the decision alone -- our on-site professionals are here to help. Give us a call today to schedule an appointment!

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