Umbrella Insurance

If you have significant assets, umbrella insurance may provide the protection you need to keep your assets safe. A secondary type of insurance that provides supplemental protection, umbrella insurance can enhance or extend your underlying policy’s coverage. At Bates Insurance Group, our agents make it easy to understand and shop for umbrella insurance.

Supplementing Underlying Policies

Unlike homeowners, auto, or boat insurance, umbrella insurance isn’t designed to protect just one of your assets. Instead, it’s meant to give you robust protection for all your assets from certain types of risks.

Umbrella insurance policies act as secondary insurance policies. They pick up where underlying policies leave off, extending the limits of and filling in the gaps of underlying policies. Of course, the precise way an umbrella insurance policy will enhance underlying policies’ protections will depend on the umbrella policy’s terms and conditions.

Without umbrella insurance your retirement savings, vacation home, or sports car could be at risk if you’re held responsible for an accident that exceeds your insurance policies’ limits or coverages. With an umbrella insurance policy, though, you have another level of protection for covered incidents.

Comparing Rates on Umbrella Insurance

As with all types of insurance, you’ll get the best price on umbrella insurance when you compare rates with an independent insurance agent. Our independent insurance agents licensed are free to show you policies from any insurance company in the state, so they can find you the lowest priced policy regardless of what company offers it.

If you would like additional insurance coverage, our umbrella insurance agents at our agency would be happy to help you find an affordable umbrella insurance policy. Of course, all of our agents are independent agents. They’ll find you the best deal on umbrella insurance. To get in touch with them, send us a message through our website.