Shield Yourself with Umbrella Insurance

Umbrella policies provide extra protection against costly lawsuits. They go beyond standard homeowners, auto, or watercraft insurance to cover accidents, property damage, and personal injury claims.

This coverage safeguards your assets and your future. Contact DNS Insurance Broker in Brooklyn, New York, for a personalized quote.

What Is Umbrella Insurance?

Umbrella insurance is extra personal liability coverage. It extends beyond the limits of your homeowners, auto, or watercraft policies. It protects you from large lawsuits.

How Does Umbrella Insurance Work?

You need underlying policies (homeowners or auto) first. Once those limits are reached, your umbrella policy covers the rest.

Who Needs Umbrella Insurance?

Umbrella insurance is ideal if you have significant assets, own high-risk items (pools, trampolines), or engage in risky activities (boating, rental properties).

It protects your wealth and peace of mind. Homeowners insurance may not be enough for high-risk situations like being a landlord, coaching sports, or volunteering. An umbrella policy adds important extra liability protection.

What Types of Claims Do Umbrella Policies Cover?

Umbrella insurance helps with many incidents, including:

• Vehicle Accidents: Serious crashes involving multiple vehicles.
• Dog Bites: Injuries caused by your pet.
• Property Damage: Accidents on your property (falls in pools or on trampolines).
• Personal Liability: Claims like libel, slander, or invasion of privacy.

Protecting Yourself as a Landlord

Landlords face extra risks. Umbrella coverage helps with claims such as:

• Property Damage: Trips or falls on sidewalks or stairs.
• Personal Injury: Injuries from tenant pets (e.g., dog bites).

It reduces the financial impact of unexpected lawsuits.

Umbrella Insurance and Lawsuits

Umbrella insurance (also called excess liability) covers costs that exceed your primary policies (auto, homeowners, or boat). It prevents you from losing savings or other assets.

It can also cover risks like libel, slander, and false arrest that standard policies often exclude.

Affordability and Eligibility

You can save money by buying your umbrella policy from the same company as your primary policies. To qualify, you usually need minimum underlying coverage:

• $150,000–$250,000 for auto insurance
• $250,000–$300,000 for homeowners insurance

Don’t let accidents derail your life. Get an umbrella insurance quote from DNS Insurance Broker in Brooklyn, New York, today.