Do You Need Umbrella Insurance?

If you own a vehicle, a home, a business, or something else you have obtained insurance on, you need to ensure that your policy covers everything you need. An umbrella insurance policy will provide you with extra protection, much like an umbrella protects you from the rain. The agents at Marenco Insurance in New Rochelle, NY understand the importance of umbrella insurance and the extra coverage.

Umbrella insurance is a personal liability insurance policy that you can obtain on top of your regular insurance policies. It will cover not only the person who obtains the policy, known as the policyholder but also other family members or even their entire house. It will not provide extra protection for your own property. Still, it will offer extra coverage for injuries or property damages sustained by others if an incident happens that is your fault. For instance, if your dog bites someone who is visiting your home, your homeowner’s policy will cover up to a certain amount of their injuries, but if they exceed the amount allotted, or the person files a lawsuit against you, your umbrella insurance will cover the excess amount.

The good thing about umbrella insurance is that it is pretty inexpensive. It also provides you with the extra peace of mind you need and deserve. In a world where people file lawsuits at the drop of a hat, an umbrella insurance policy makes sense to obtain.

You will need an insurance agent who is experienced with umbrella insurance. The trusted agents at Marenco Insurance in New Rochelle, NY have the experience needed to create a tailored policy to your needs. Call for an appointment or quote today!

Three Reasons You Should Consider and Umbrella Policy Today.

Have you heard about Umbrella Insurance?

No, it is not insurance for your umbrella. It is a policy that protects you from the bad incidents that may come, much like an umbrella. At Marenco Insurance, we offer many policy options that cover your needs, but sometimes you need additional coverage. This is where umbrella insurance is vital. Reach out to our office in New Rochelle, NY to gt started.

You May Want to Consider an Umbrella Policy If:

  • You drive long distances to work, or for your job. Increased time on the road means an increased risk of an accident. In addition, you may highly depend on your vehicle to make your living if you are commuting or using it for your job. If your lively hood is at risk due to a car accident, then an umbrella policy may be able to ensure that you can continue working and cover the high costs associated with the accident.
  • You are at an increased risk of a civil suit. If you are in the public eye in positions such as a doctor, mayor, restaurant owner, and even delivery driver, you may be at increased risk of a lawsuit. An umbrella policy may be able to help negate some of this risk. 
  • You run a business that supports your entire life. If your business has a lot at stake, including your family’s gross income, your employee’s salary, and the ability to stay afloat, then you should make sure that you are insured to the max in case anything happens. 

Contact us at Marenco Insurance if you are interested in knowing more about Umbrella Insurance and how it may help you if your current policy does not provide enough coverage. We proudly serve New Rochelle, NY with quality insurance services and are ready to answer your questions.