Umbrella Insurance

There’s no telling what could happen when you’re in Pennsylvania. You could have damage to your home, automobile, or even encounter an issue with your business. Umbrella insurance can provide you with the added coverage you need. Our agents at J L Davis Insurance, Inc. can assist you every step of the way.

What is Umbrella Insurance?

Umbrella insurance is a unique type of insurance that is used in worst-case scenarios. Rather than protecting something specific like your home, car, or business, it covers all of your policies. You set the dollar amount of the policy coverage based on what your existing policy limits are.

For example, if you get into an accident where your policy coverage is for $10,000, but the damages add up to $15,000, you would be responsible for the remaining $5000. However, if you have umbrella insurance, it offers that added protection. It would kick in, covering you for the remaining $5000 so that you aren’t paying out-of-pocket.

How Can Umbrella Policies Help?

Essentially, an umbrella policy is designed to work when you’ve exhausted the other policy that is being used when you file a claim. It may cover your auto policy when you have exhausted your property damage limit. Or, it may be used to offer added protection on your commercial insurance policy.

One of our independent insurance agents can talk to you about the necessary coverage. You can build an umbrella policy that covers all of your existing insurance policies. Further, it can be worth a significant amount of money. While you may never need the policy, it can save you tens of thousands of dollars if there is an accident.

With the help of our insurance agents, we can show you how to get affordable umbrella insurance. Give us a call at J L Davis Insurance, Inc. today to learn more about how we can help.