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Umbrella Insurance: What Is It?

  • Provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies
  • Provides coverage for claims that may be excluded by other liability policies

What Does Umbrella Insurance Cover?

  • Provides coverage for injuries, damage to property, certain lawsuits, and other personal liability
  • Covers some situations that aren't covered by the other types of policies

The types of coverages

  • Bodily Injury Liability – covers the cost of damages to another person's body
  • Property Damage Liability – covers the cost of damage or loss to another person's tangible property

Who Needs Personal Umbrella Coverage?

  • A Personal Umbrella insurance isn't just for the wealthy. It's for everyone
  • We offer comprehensive and affordable protection

An Example?

  • The cost of the injuries you cause to others is $1,000,000
  • The Bodily Injury limit on your auto insurance is $300,000
  • The $1mil umbrella policy will pay the remaining $700,000

Why choose PHP Insurance Services?

  • Great protection at great price with multiple choices
  • Extensive experience, utterly reliable
  • High quality services and support 24/7

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In the months leading up to the fall Medicare open enrollment season, your mailbox may be overflowing with sales brochures from Medicare Advantage plans. Our advice is to ignore them. There are better, unbiased ways to pick the right plan for you. First and most important is to read the Annual Notice of Change. View more