Insurance Umbrella Insurance

Adding Another Layer of Defense

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Extend Your Coverage With an Umbrella Policy

Umbrella insurance is liability protection that goes above and beyond your underlying auto, home and boat policies. If you're found legally liable for bodily injury or property damage that exceeds your policy liability limits, your umbrella policy kicks in and pays for those excess costs up to the limits of the umbrella policy. You can buy umbrella insurance at limits of $1 million, $2 million or $3 million.

Policies for When You Have More to Protect

If you own a business, expensive home or other high-value assets, umbrella insurance is a good way to get even more peace of mind. An umbrella policy is also good to have with teenage drivers in the house, if you entertain or travel often, or if you just want to add iron-clad protection to your finances.

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To qualify for umbrella insurance, you must have both your auto and home insurance with PEMCO. Your auto liability levels must be at least $250,000/$500,000 for bodily injury and $100,000 for property damage. You also must carry homeowner liability limits of $300,000.

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Small Price for Big Peace of Mind

Depending on where you live and your assets, the cost of a $1 million policy could start as low as $190 a year. You can get a free umbrella insurance quote from your local PEMCO agent.