Personal Umbrella Insurance - NY

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What is personal umbrella insurance?

image of umbrella over house and cars

Home and auto insurance is an important step in your financial planning and a great way to protect your family’s assets. But, it is not without limitations. You can choose the amount of coverage you wish to own. But, these personal insurance policies will only cover up to a certain dollar amount. For coverage beyond those limitations, you will need umbrella insurance.

What are the benefits of personal umbrella insurance?

Standard insurance policies do provide valuable protection. But, there is still a chance that you can become financially liable for a sum larger than what your policies will cover. For instance, say you have a fire in your home, and it spreads to destroy your neighbor’s property. Does your home insurance policy include enough liability coverage to pay for the damages?

Umbrella insurance can protect your assets if you are held liable for property damage or bodily injury. It can also help cover legal fees, false arrest, libel and slander. If you are sued and do not have enough coverage with your standard policies, all your assets are exposed. This can include your house, car, financial and retirement accounts, and future income. 

Think of umbrella insurance as a blanket policy that adds another layer of coverage on top of your basic policies. When you’ve reached the limits on your home or auto insurance, your umbrella insurance then helps cover the remaining costs.

Learn more about umbrella insurance

If you want to protect you and your family from financial ruin due to an unforeseen accident, you may need an umbrella policy. Call us today to learn more.

Thank you for your interest in Stahlka Agency. Our team of professionals work hard to find your the best coverage at the best rates for your specific needs. Please feel free to call our office at 716-634-7070 or email us any questions and an insurance agent will reply promptly.

Insuring: Williamsville, Hamburg, Amherst, Orchard Park, Buffalo and throughout Western New York.

For the safety of our staff
we are closing our offices for today Wednesday, January 30th.

Carrier numbers are available here our website or in an emergency you can reach our managers on their cell phones 
Fraser - Commercial Lines 716-510-8628
Jenn - Personal Lines 716-861-1328
Brad - Employee Benefits 716-465-7071
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