Illinois, Indiana, Missouri, Texas, and Arizona – What’s Peace of Mind Worth to You?
An umbrella policy provides additional layers of liability protection. If the liability limits run out on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is typically very minimal and will greatly increase your level of comfort of knowing you’re covered.
Central Illinois — do you have enough liability insurance?
Imagine if you severely hurt someone in a car accident after hitting a patch of ice or hydroplaning on wet pavement. What would happen if your dog was to accidentally hurt a neighbor (what dog doesn’t like jumping up to give kisses or to chase after a ball or stick, but might accidentally hurt someone in the process), or if there was an accident on your property. What would happen if a fire in your condo spread to other units? If any of these things happened to you, there’s a good chance your current liability limits wouldn’t be adequate to protect your assets, or your future earnings.
Liability Insurance Starts When the Others Stop
Once the liability limits are exhausted on your home, auto, or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits often are available. Talk with Eden Insurance & Financial Services to determine the right amount of coverage for your needs.
So do I need umbrella insurance?
An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy can cover not just you, but your spouse and all family members living in your household, and often can extend anywhere in the world. Legal defense fees are also included.
The right coverage for you is unique based on your assets, net worth, income and more. Talk to Eden Insurance & Financial Services today to find out how to protect yourself, your family and your future with the right personal umbrella insurance for you.
Just call 309-807-0900 to speak with one of our agents and determine the right coverage for you.