What is Umbrella Insurance?
Whether it’s a serious at-fault auto accident or an incident on your property, you can quickly find yourself responsible for damages that exceed the limits on your auto, homeowners, renters or boat policy. And an expensive judgment is the last thing you want to worry about. A Personal Liability Umbrella policy can help protect your assets and provide additional insurance protection.
Will your primary insurance policies be enough?
Auto, homeowners and other property insurance liability limits may not be adequate to cover a large court judgment. The example to the right shows how easy it is to find yourself without enough coverage – even if you have high liability limits on your auto or property policy.
Enjoy peace of mind
To make it easy for you to get the right level of coverage for your specific needs, we offer limits ranging from $1 million to $1O million for customers meeting eligibility criteria. And, when you require legal defense for a covered claim, the policy helps cover defense costs such as attorney's fees and other expenses.
At Benton White Insurance, we’re committed to bringing you innovative insurance solutions
It's a commitment built on our nearly 50 years of combined staff experience in this business. We want you to be protected for as many risk exposures as we can cover. Certainly, this Personal Liability Umbrella protection is a key piece to anyone’s insurance portfolio.
We offer personal insurance offerings which include homeowners, condominium, renters, automobile, boat and yacht, and wedding and valuable items. Our full line of companion coverages offers you the convenience of dealing with just one agency with the experience you need to assist you in making the right insurance decisions.
Great companies with great service makes us one of the top agencies in this area and we’re ready to help you with your Personal Liability Umbrella protection or any other insurance coverage you may need. Feel free to EMAIL us at info@BentonWhite.com or TEXT or CALL – 615.377.1212.
We’re always ready to earn your business!
This material is for informational purposes only. All statements herein are subject to the provisions, exclusions, and conditions of the applicable policy. For an actual description of all coverages, terms, and conditions, refer to the insurance policy. Coverages are subject to individual insureds meeting our underwriting qualifications and to state availability.
What would you do if your home was destroyed by a fire, or one of your water pipes burst while you were on vacation, or a burglar stole valuable items from your home? You can’t prepare for everything but planning for the unexpected when dealing with property claims could make these situations easier to handle. Below are some things to consider before a loss happens: Take photographs with a phone camera to document ownership of items. Walk room by room, making notes of items. Don’t...
Two peer-to-peer trends that are growing in popularity are ride-sharing and personal vehicle sharing, or car-sharing. Most people do not realize that their personal auto insurance policy may not cover them if they were to suffer a loss using either service. Ride-sharing involves a transportation network company (TNC), such as Uber or Lyft, which provides prearranged transportation services for compensation. This is done by using a digital network (app) to connect passengers with drivers using...
Driver distraction is a leading cause of vehicle accidents. Nearly 80% of vehicle crashes involve driver inattention, according to research conducted by the Virginia Tech Transportation Institute. Eating and drinking, talking to a fellow passenger, applying makeup, programming a GPS or navigation system, or simply adjusting the radio all qualify as distracted driving. But using a cellphone while behind the wheel is undoubtedly the biggest cause. According to a study conducted by Cambridge...