Top-Tier Umbrella Insurance
Get Competitively Rated Umbrella Insurance
As you navigate the complexities of life, you may encounter potential situations where a claim you make well exceeds the limits of your insurance policy. Personal umbrella insurance serves to act as an extra layer of coverage and responds when coverage falls short, ensuring your finances are protected.
Here at AHI, we partner with multiple insurers who offer affordable umbrella insurance plans. Affording an umbrella plan or increasing your liability limits is far less expensive than purchasing an entirely separate policy, meaning you can enjoy greater coverage for less.
Begin now and step into a world of financial reassurance with umbrella insurance, designed to enhance the existing liability protection of households that may face unique exposures.
What Does Umbrella Insurance Cover?
Consider the versatility of umbrella insurance as it extends beyond the conventional, offering a comprehensive shield for your assets. From legal disputes to unforeseen liabilities, this coverage ensures that you are well-prepared for a spectrum of challenges. Embrace the flexibility and strength of umbrella insurance—an invaluable investment in your financial security.
Who Needs Umbrella Insurance?
Oftentimes homeowners and families who purchase umbrella insurance tend to own expensive property have significant savings or may own dangerous items that could increase their risk. They could also engage in specific activities that would otherwise hike their liability risk. People who might consider an umbrella insurance policy are:
- People who are landlords
- Parents who coach kids’ sports
- People who volunteer
- People who regularly post reviews of businesses
- People who serve on the board of nonprofits
- People who participate in high-risk sports
Scenarios Where Umbrella Insurance Helps:
Consider a scenario where if you were at-fault in accident, such as if you ran a red light while driving your car, you could be liable for the other person’s injuries. You could also do significant damage to their car. Say your insurance policy covered $100,000 of the damages and injuries, but the damages/injuries exceeded that amount. Having umbrella insurance may mean your supplemental policy can pick up the additional liability costs beyond the limits of your auto policy.
Quick: Umbrella Insurance FAQs
Why do I need umbrella insurance if I already have other policies?
While your existing policies, such as homeowners or auto insurance, provide essential protection, they may have limits that could be exhausted in the event of a significant claim. Personal umbrella Insurance kicks in when the limits of your primary policies are reached, offering additional financial security. It's a crucial safeguard against unforeseen circumstances, providing peace of mind and protecting your assets in the face of life's uncertainties.
How much coverage do I need with umbrella insurance?
The amount of coverage you need depends on various factors, including your assets, lifestyle, and potential risks. It's recommended to assess your total assets, including your home, savings, investments, and future income, to determine an appropriate coverage limit.
Does personal umbrella insurance only cover liability claims?
While umbrella insurance is renowned for its robust liability coverage, it extends beyond that. In addition to covering legal expenses and damages in liability claims, it can also provide protection in scenarios such as personal injury claims, false imprisonment, libel, and slander.
Connect with an AHI Umbrella Insurance Agent
Are you seeking unparalleled protection and peace of mind for life's unexpected twists in Kansas, Nebraska, or any of our serviced states? If you are a landlord, engage in a high-risk sport, or something else, your ultimate solution lies with AHI Group. As a leading insurance agency specializing in umbrella insurance, we offer a diverse range of coverage options tailored to meet your unique needs.
Don't navigate life's twists without the right protection. Reach out to AHI Group for detailed information on our comprehensive personal umbrella insurance solutions. Your peace of mind is our priority, and we are dedicated to helping you secure a future free from financial worries. Contact us today and fortify your defense against life's uncertainties with AHI Group.
