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Did you know that March is National Umbrella Month!
Ok, so National Umbrella Month it's really this umbrella 
                             

But the umbrella I want to talk to you about is the one that covers not just your head, but your home, your family, your cars, your business, your rental properties, your kids friends that you carpool, your motorcycle, your boat, your ATV and much more. I know what you are thinking...1. ) that's a BIG umbrella, and 2.) that must cost a lot.

But did you know, that for less than $0.50 a day, you could buy $1,000,000 in extra liability to cover all of these things? Who says you can't buy a million dollars today? Not me!

Here are some answers to questions many of you have asked about why they should purchase an umbrella policy. (Also, make sure you check out the end for a special offer until the end of this month just for getting a quote on an umbrella policy!)

Q. Wouldn't I be covered under my homeowners policy if I am sued by someone who was seriously injured on my property?
A.  Yes, your homeowners policy will protect you, but only up to the liability limits of your policy and, then again, only if the injury did not involve molestation, physical or mental abuse or corporal punishment. In today’s lawsuit-oriented society, your homeowners policy may not provide adequate liability coverage in the event you are involved in a significant lawsuit.

Did you know that you didn't even have to be home for someone to sue you? Someone can just be walking across your property, trip and fall and get injured and you could be found liable.

Q. What about my car insurance, wouldn't that protect me?
A. Yes, Similar to your home policy, your auto policy provides coverage in the event of a vehicle-related lawsuit, but only up to the limits of the policy.

Did you also know that you don't just have to have a teenager to be exposed in a car claim. If you carpool or carpool your kids friends to afterschool events and get in an accident, you may not have enough coverage.

Q. Ok, I get that, but what would happen if I was held liable for a settlement that exceeded the limits of my insurance coverage?
A. You would be held personally responsible for paying any portion of the settlement that your insurance company did not pay. Your present assets—your home, your savings account, your car and any other assets you might have—as well as your future earnings could be taken from you to pay the settlement. They can also garnish up to 25% of your current wages.

*** Take the test: Do you need an umbrella policy?
1.) Do you have a car?
2.) Do you own your home?
3.) Do you own a business or rental properties?
4.) Do you have teenage drivers in your household?
5.) Do you drive your kid's friends to and from events or other activities?
6.) Do you volunteer?
7.) Do you have a motorcycle, boat, camper or other specialty vehicles?

If you answered "YES" to more than two of these, you may need an umbrella policy to protect you, your family, and your assets.

Find out if you qualify by calling our umbrella specialist today. 888-565-2212 or go online at Bryan Agency. The price for protection and peace of mind is more affordable than you think!

**Also, for everyone who gets a quote on an umbrella policy for this month, will receive a complimentary umbrella (yes, the umbrella that protects you from the rain!) Call or go online to get a quote today!

You can also take the test on our facebook fan page - www.facebook.com/bryanagency

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Bryan Insurance Agency, LLC
287 Windsor Hwy
Suite 350

New Windsor, NY 12553

TF: (888) 565-2212
PH: (845) 565-2200
FX: (845) 913-9152
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