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Why Umbrella Insurance?
Accidents happen, and sometimes the costs go beyond your standard insurance coverage. Umbrella insurance is here to protect you from the unexpected, providing extra liability coverage when you need it most.
What It Covers
Umbrella insurance extends your liability protection, covering legal fees, medical bills, and damages that exceed your auto, home, or boat insurance limits.
Peace of Mind
With Western Alliance Agency, you can rest easy knowing that your assets, future income, and lifestyle are protected against large claims or lawsuits.
What is Umbrella Insurance?
Umbrella insurance is an additional layer of liability coverage that kicks in when your other insurance policies have reached their limits. It's designed to protect you against significant financial losses from lawsuits, accidents, or unexpected incidents.
Who Needs Umbrella Insurance?
Anyone with assets to protect can benefit from umbrella insurance. It’s particularly valuable for:
- Homeowners: Protect against costly lawsuits from injuries on your property.
- Drivers: Cover expenses from accidents that exceed your auto insurance limits.
- Boat Owners: Shield yourself from liability on the water.
- Business Owners: Safeguard your assets from claims related to your operations.
How Much Coverage Do You Need?
The amount of umbrella insurance you need depends on your net worth and risk factors. Below is an example of how umbrella insurance can protect you:
| Scenario | Standard Policy Coverage | Umbrella Insurance Coverage |
|---|---|---|
| Auto Accident Lawsuit | $250,000 | Additional $1,000,000 |
| Injury on Property | $300,000 | Additional $1,500,000 |
| Defamation Claim | Not Covered | Up to $1,000,000 |
How Affordable is Umbrella Insurance?
Umbrella insurance is surprisingly affordable. For $1 million in coverage, the average cost ranges between $150 and $300 per year. That’s a small price to pay for the peace of mind that comes with knowing you’re protected from major financial losses.
Why Choose Western Alliance Agency for Umbrella Insurance?
At Western Alliance Agency, we understand that life is full of uncertainties. Here’s why we’re the right choice:
Personalized Coverage: We assess your risks and tailor policies to fit your unique needs.
Cost-Effective Solutions: Get the coverage you need without breaking the bank.
Take the First Step Towards Protection
Don’t let unexpected events jeopardize your financial security. Umbrella insurance provides the extra protection you need to safeguard your assets, future income, and peace of mind. Contact Western Alliance Agency today to explore your options and get the protection you deserve.
Call us at 307-333-5208 to discuss your umbrella insurance options.
Email us to learn how we can help you stay protected against life’s unexpected challenges.