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Personal Umbrella Insurance

Protecting your liability should be a primary concern of any car, property or home owner.

To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy.

Indiana– What’s Peace of Mind Worth to You?

Automobile and homeowners policies provide primary liability coverage but, given the cost of litigation and the frequency of suits, excess liability most often satisfies that shortfall.

An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal compared to the comfort of knowing you’re covered.

Indianapolis, Greenwood, Fishers, Carmel – Do You Have Enough Liability Insurance?

Imagine what would happen if your dog was to bite a neighbor’s child, or if there was an accident on your rental property. What would happen if a fire in your condo or apartment 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. Owning a home, driving a car, or renting an apartment increases your exposure to a civil suit.

Our object is to balance each insurance dollar spent against best coverage for each policyholder. A tailored approach balancing the cost of your automobile and homeowners insurance will often fund the cost of an umbrella policy.

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 are also be available. Talk with Tom Plummer Agency to determine the right amount of coverage for your needs.

Broad Coverages

An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world. Legal defense fees are also paid.

The right coverage for you is unique – talk to Tom Plummer Agency to find out how to protect yourself, your family and your future with the right personal umbrella insurance for you. Just call (317) 786-0405 to speak with one of our agents and determine the right coverage for you.

  1. Borrowing a car

    Posted By: dcantojos on October 19 2018, 1:41 PM

    I’m borrowing my friend’s car … am I covered? Most people have an idea of what’s covered and not covered under their various insurance policies. But at Tom Plummer Agency in Indianapolis, IN we get a lot of questions about borrowing or loaning a car. Now that fall is here, and you might be looking […]

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  2. Water Damage… Is it covered under your homeowners policy?

    Posted By: spelletier on July 18 2018, 1:43 PM

    Scenario 1. Tom & Jane come home and discover power out, go down to basement and the basement has an inch of water. Is this covered under your homeowner’s policy? Potential damage from water/sewer backup is a necessary concern for any homeowner. While not automatically included in any standard homeowners, coverage should be endorsed to […]

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