Umbrella Policies Matter

You've heard of umbrella insurance but have no idea what it is.

Without it, you could face a lawsuit that exceeds the limits of your primary insurance policy, leaving you to pay the difference out of pocket. That could mean losing your home, your savings, or even your future income.

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A lawsuit can threaten your financial security

You may think you have enough insurance coverage to protect you from any legal liability. But what if you’re sued for more than your policy limit? You could be held personally responsible for the excess amount, which could be millions of dollars.

This could wipe out your assets, your income, and your future plans. You don’t want to risk losing everything you’ve worked for because of a lawsuit.

That’s why you need Umbrella Insurance. It provides an extra layer of protection over your primary insurance policy, covering the difference between the lawsuit amount and your policy limit. It gives you peace of mind and financial security for a worst-case scenario.

Pricing an Umbrella Policy

How Much is Umbrella Insurance?

Many CNY residents have one question when considering umbrella insurance: how much it costs. Umbrella insurance is liability coverage that protects you from lawsuits and claims that exceed your primary policy limits.

A $1,000,000 umbrella liability policy should range between $10 – $23 per month or $120 – $276 per year. What specific factors affect your price?

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How much does personal umbrella coverage cost v3

Enhance your CNY protection with personal umbrella insurance.

While your home and auto policies provide a strong foundation for protecting your CNY home, car, and belongings, unforeseen circumstances can threaten your financial security. At Horan Insurance, we offer personalized umbrella insurance plans to extend your protection beyond your standard policies.

Extra Liability Coverage for Greater Assurance:

Get coverage for lawsuits, judgments, and settlements that may exceed your existing auto or homeowners liability limits. From dog bites to libel, your insurance should protect you. Whether it’s a car accident, a slip and fall, or a defamation claim, you want personal umbrella coverage that ensures you can pay for the damages and legal fees, no matter how high.

Extended Coverage for Your Family and Assets:

Our policies extend to your spouse, children, and other household members, as well as your vehicles, boats, and recreational vehicles. Whether they drive, bike, or boat, your policy will cover them in case of an accident that causes harm to others or their property.

Additional Coverage for Special Situations:

Accidents can occur anywhere, but you can be prepared. You’ll want a policy that will cover you for situations that may not be covered by your auto or homeowners policies. Whether you travel abroad, volunteer for a charity, or serve on a board, you want personal umbrella coverage that will protect you from any liability claims that may arise.

Horan Companies offers comprehensive umbrella insurance in New York State, including: Baldwinsville, Syracuse, Onondaga County, Liverpool, Fulton and Camillus, NY.

What Our Clients Are Saying

“I always feel confident my insurance needs are covered with Steve and his team. They reach out if they find me a better rate, they clearly review my coverage so I understand, and communication is so easy with them.”

Lizzy Martin

“Steve is easy to work with and incredibly knowledgeable. He explains the details of your policy, highlighting the pros and cons of options. He really helped me to better understand what I was purchasing.”

Erin Wisneski

Woman Preparing to Write Horan a Google Review

Burning Questions Answered

FAQ

Common Questions and Answers About Your Umbrella Insurance Policy Options

How much coverage is typical for an umbrella policy?

Am I more likely to be sued because I have an umbrella policy?

How much does umbrella insurance cost?

Don’t wait until it’s too late. Get Umbrella Insurance before the worst happens.

You never know when a lawsuit can strike. It could be from

a car accident,
a dog bite,
a slip and fall, or
a professional error.

It could be from someone you know or a complete stranger. It could be frivolous or legitimate. But it could also be devastating for your finances and future plans. You don’t want to gamble with your hard-earned wealth and peace of mind. You want to be prepared for any legal challenge that comes your way.

That means having the right Umbrella Insurance from a reputable carrier. Umbrella Insurance is not a luxury. It’s a necessity for anyone who has assets and income to protect. It’s an investment in your future and your family’s well-being.