An umbrella policy adds a layer of liability protection on top of your auto, home, and other policies, so one large claim does not put your savings, home, or future income at risk. It picks up where your other coverage leaves off, often for a modest annual cost. At Unified Insurance Solutions in Clive, we help individuals and families decide how much extra protection makes sense for them.
Your auto and homeowners policies each have liability limits. If a covered claim goes beyond those limits, your umbrella policy can step in to pay the difference. Coverage is usually sold in increments of $1 million, and most carriers ask you to carry certain liability limits on your underlying policies first.
Umbrella coverage is worth considering if you own a home, have teen drivers, host gatherings, own a pool or trampoline, rent out property, or have growing savings to protect. It can also extend over your Boat/Watercraft Insurance and RV Insurance. Business owners can ask about commercial umbrella options that sit on top of their Commercial Insurance.
We shop umbrella options from multiple carriers and make sure your Auto Insurance and Home Insurance limits line up correctly underneath, so there are no gaps between policies.
Not sure how much extra protection you need? Unified Insurance Solutions helps households across the Des Moines metro and in Nebraska, Minnesota, Missouri, and Arizona choose the right umbrella limit. Start with our online quote request, or contact our Clive office at 515-978-8592 to review your current auto and home limits with a local agent.
Unified Insurance Solutions | Website Development by EZLynx® • Copyright © . All Rights Reserved.