Even if you don’t have a million bucks, you can still be sued for $1 million (or more). Increase and extend your liability protection with Massachusetts umbrella insurance.
When you purchase umbrella coverage, you get additional liability protection beyond what’s provided by your primary home or insurance policies. While it’s an optional type of insurance coverage, it can be a smart purchase for many people. The coverage can be quite substantial. For instance, Plymouth Rock Home Assurance Corporation, an affiliate of Plymouth Rock Assurance, offers umbrella protection up to $2 million. Plus, this coverage typically comes at a fraction of the cost of your other insurance.
Umbrella insurance form
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Why consider umbrella insurance coverage?
Umbrella coverage can help you protect the assets that you’ve worked so hard to accumulate. While most home and auto policies come with some liability protection, just one lawsuit could quickly reach the limits of your policy. Anything above your insurance limits becomes your responsibility, which could put your assets like retirement savings, summer homes and college funds at risk. In cases where you don’t have enough assets to cover the damages for which you’re responsible, your income could be garnished.
Who needs MA umbrella insurance?
Everyone should at least consider purchasing umbrella coverage. When you add up the value of your home equity, investment accounts, your second car and other property, you might find that your personal worth is greater than you thought. For many people, your personal worth could be greater than the liability limits offered by your base insurance policies.
Secure your assets today
A local independent agent will be able to help you determine whether umbrella coverage is a smart purchase for you and answer questions you have about this kind of insurance.
Plymouth Rock Assurance does not issue Massachusetts home insurance policies or umbrella endorsements. Home insurance and umbrella endorsement for that state is written by our affiliate, Bunker Hill Insurance, a separate company. Each company is financially responsible only for its own insurance products. Actual coverage is subject to the policy as issued by each separate company. See the Bunker Hill Insurance website for more details.
