The basic question to ask yourself is whether you feel you have adequate liability coverage with
your existing home and auto insurance policies.
Unfortunately,
your existing home and auto insurance might not provide the coverage you need to pay for these unexpected and expensive liabilities.
Not exact matches
Even though alcoholism ranks as one of the country's three major health problems, along with cancer
and heart disease; even though it accounts for approximately 98,000 deaths every year; even though it is the root cause of most pastoral - care crises (suicides,
auto fatalities, child abuse, divorces, hospital admissions, accidental deaths
and home violence); even though it costs the nation $ 120 billion annually in terms of lost work time, health
and welfare benefits, property damage, medical expenses,
insurance and lost wages;
and even though its effects impair the educational process of every child in every classroom, still the church acts as though alcoholism does not
exist.
You could save even more by reviewing your
existing insurance and getting
home, vehicle, portable possessions
and business
insurance quotes from
Auto and General.
Umbrella
and excess liability policies provide the additional protection you need in case a judgment against you exceeds the liability limits of your
existing auto,
home, or other
insurance policies.
Anyone with total assets that are significantly greater than the liability limits of
existing base
insurance policies — such as
home and auto insurance — should consider buying an umbrella policy.
If you're considering a personal liability umbrella, you should know that
insurance companies typically require that you maintain a certain level of underlying coverage on your
existing home and auto policies in order to qualify.
The products are also underwritten by TD
Home and Auto Insurance Company throughout Canada for its
existing clients only.
Our agents will take a look at the policies you do have
and recommend liability limits on top of the
existing limits on your
home and auto insurance policies.
By raising your deductible on your
home or
auto insurance, your
existing premiums will drop
and you can use that extra money towards individual life
insurance.
Umbrella
insurance is named as such because it sits like an «umbrella» on top of your
existing auto and home liability
insurance policies.
This site
exists to give consumers valuable information about their
auto insurance needs
and to help them gain access to companies offering low cost
insurance products in their
home area.
If you already have
auto or
home insurance, you may want to contact your
existing insurance company
and ask if they offer a multiple policy discount
and how much of a discount you would get for buying a term life
insurance policy through their company.
Some insurers may require you to have
home and auto coverage with them in order to extend additional Personal Umbrella Liability
Insurance, or they may require you to satisfy certain liability coverage limits with your
existing policies.
For instance, if you have
home and life policy coverage, ask your insurer if adding
auto insurance policy to your
existing account would entitle you to receive cheaper rates.
For example, your
existing life
and home insurer will offer price cuts if you purchase your
auto insurance with them.
Umbrella
insurance works to extend
and expand the
existing liability coverage from your homeowners
and auto insurance policies to protect you, your
home, future earnings
and assets if someone sues you.
A Personal Umbrella policy is excess liability coverage above
and beyond your
existing insurance policies (
auto,
home, boat etc.).
I focus on servicing our
existing customers with their
auto,
home,
and business
insurance.
I have had many roles over the years, but currently focus primarily on assisting
existing customers with
auto and home insurance needs.