Umbrella / Liability insurance in Brentwood, Franklin, Nashville and throughout Middle Tennessee.

Having homeowners and car insurance policies are important but umbrella insurance is an extra layer of protection seriously worth considering. Most main insurance policies have liability coverage but they are often too low. If you are held responsible for an unfortunate event—a guest is injured in your home—or your property is damaged or your possessions are stolen, an umbrella insurance policy pays the remaining costs once the main policy’s maximum payout has been reached.

For example, if your homeowners policy covers liability up to $100,000 but a visitor falls down your front steps and racks up $200,000 in medical bills, your main policy will pay $100,000. The umbrella insurance policy will cover the remaining $100,000. Without an umbrella policy, a major insurance claim or lawsuit can lead to personal financial loss. Cheaper than you might think, an umbrella policy helps protect your financial future.

A SIG insurance advisor can help you review your unique insurance needs and determine if an umbrella policy is right for you. In today’s sue-happy world, an umbrella policy can help you minimize financial risk at an affordable rate.