Personal Umbrella Insurance in Providence, RI

Some mistakenly believe standard auto and homeowners policies provide unlimited coverage, but both have monetary limits. After a large liability claim, personal umbrella insurance may step in after those underlying policy limits are reached.

What Is Personal Umbrella Insurance?

Personal umbrella insurance may provide additional liability coverage on top of your auto, home, watercraft and other policies. If you’re faced with a large claim or lawsuit, such as a serious car accident or an injury on your property, your standard insurance may only cover up to a certain amount. An umbrella policy may help cover expenses that exceed those limits.

Who Should Consider Umbrella Insurance?

Our team recommends personal umbrella insurance for anyone who wants to safeguard their financial future. Even if you feel your risk is low, lawsuits and large liability claims can happen to anyone. This policy can be valuable if you:

• Own a home or have significant assets
• Have a teenage driver in the household
• Host guests or gatherings at your property
• Own a pool, trampoline or watercraft

How Much Does a Policy Cost?

Many factors influence the cost of a personal umbrella insurance, including the amount of coverage you choose, your existing insurance policies and your individual risk profile. Your rate may also vary based on your driving record, number of properties or vehicles and other considerations. Choosing higher coverage limits or including additional drivers or properties can affect the final price.

Secure a Policy Today

Lefebvre Insurance Agency, Inc. is familiar with the risks Rhode Island families face, and we’re committed to helping you secure appropriate coverage. Speak with one of our agents today to learn more.