With spring here, it’s that time of year where everyday the weather seems like it can’t make up its mind.
We all know that April showers bring May flowers and that you shouldn’t leave home without an
umbrella almost daily. Which leads me into another umbrella, the one that protects you when you go
anywhere or when you are home. No, I am not talking about the one that covers you from rain, but its
kind of the same concept. It’s there to keep you from getting drenched.

1.) What Is an Umbrella Policy?

An umbrella policy is additional coverage that protects you and your family from a devastating
loss. It helps to protect you and your family and everything that you worked so hard for. It is
additional coverage that goes above and beyond your auto or home insurance limits.

2.) What is Covered by an Umbrella Policy?

If you have a major claim where you get sued whether it be in a car accident or something that
happens at home or wherever you are, the umbrella policy will kick in above and beyond what
you already have for your auto or home coverage for legal costs, judgements, and other
expensed incurred.

Umbrella policies can also cover you for additional liability for your toys, such as a motorcycle or
boat and can also extend for liability to you as a landlord for properties that you own personally.

3.) Unique Coverages About Umbrella Policies You Might Not Know:

Defamation ‐ Did you know an umbrella policy can cover you for personal injury coverages?
What this means for you and your family in todays tech age is that you are covered for things
you might or might not have said online or personally about someone else. In today’s day of
social media, this could be important to protect you and your teens against liabilities where
slander could come into play.

Auto Liability out of the country – Did you know that if you rent a car out of the country, your
current car insurance liability doesn’t extend? You would need to purchase the rental car
companies’ insurance in this case. However, certain umbrella policies will extend liability being
that the coverage is considered “worldwide” to cover you for liability purposes if you are renting
and driving outside the U.S. (This does not cover damage to the car) Call us beforehand to
double check your policy.

4.) What is Not Covered By A Personal Umbrella Policy

There are certain things that no matter how you slice it, will not be covered by a personal
umbrella policy. Business property, any contracts – written or oral, your personal belongings, or
any criminal acts or intentions.

5.) How Much Does It Cost?

Umbrella policies typically start at $1million in coverage and can go upwards from there. The
price can vary depending on you and your specific insurance needs, how many cars you have,
drivers in your household, properties you own, etc. However, the cost is typically pennies to the
dollar and worth the investment and peace of mind to cover you, your family and all of your
assets in one place.

For more information or to get a free quote for an umbrella policy, call us at 888-565-2212 or visit
us online at www.bryanagency.com. At the Bryan Agency we are the Hudson Valley and Long Island leading insurance agent
for auto, home and umbrella insurance. Call or visit us online today to see how inexpensive a million
dollars can be.

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