Umbrella Insurance Policies Tailored to Your Needs

Umbrella Insurance: Couple standing under umbrella

If you have considerable assets, you may want to consider an Umbrella policy. It is an affordable way to protect you and your family in case bad things happen. When it comes to Umbrella policies, CoSaint will work with you to assure you have the right coverage at the right price. Speak with a CoSaint advisor today about the benefits of an Umbrella policy.

Umbrella policies provided additional liability coverage above and beyond the underlying limits of your home, auto and, in some cases, other underlying policies. If you believe you need this extra coverage, we will get quotes from our leading insurance companies to help you select the most effective and affordable coverage possible. We will walk you through your options and help you identify additional savings.

A little extra coverage can go a long way to protect you and your family if and when you need it.

CoSaint offers Umbrella insurance in South Carolina, North Carolina, Ohio and Kentucky. When it comes to protecting your property, CoSaint will work with you to assure you have the right coverage at the right price. We’ll get quotes from leading insurance companies to help you select the most effective and affordable coverage possible. We will walk you through your options and help you identify additional savings. You can sleep easy knowing that CoSaint will help you protect your valuable assets in the unfortunate situation you experience a very large loss.

Get Umbrella Insurance Quotes from the Leading Providers Now!

Understanding Personal Umbrella Insurance Coverage

A little extra coverage can be a really good thing. Umbrella insurance is designed to help protect you from major claims, losses, and lawsuits. Umbrella insurance helps protect your assets and your future in the event a sever loss occurs and you are responsible.

In today’s litigious world, sometimes the coverage limits on our automobile and homeowner policies are simply not enough. It is not uncommon for litigation to result in jury awards for hundreds of thousands or even millions of dollars. An Umbrella policy provides extra insurance protection (on top of your existing insurance coverage) to protect you in case you find yourself in this type of situation.

In essence, Umbrella policies “sit” on top of your home, auto, boat and other qualifying policies and provide coverage when certain underlying limits on those policies are exhausted.   Umbrella insurance provides coverage for injuries, lawsuits and damage to your personal property and/or dwelling.

Umbrella policies are a very wise investment if you own a home or have considerable assets. Once the liability limits are exhausted on your home, auto, boat, or other qualifying policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available, so talk with your CoSaint agent to determine the right amount of coverage for your needs.

Coverage is also provided should you be sued for:

  • False arrest, detention, or imprisonment
  • Malicious prosecution
  • Shock/mental anguish
  • Slander – injurious spoken statement
  • Libel – injurious written statement
  • Other personal liability situations