Umbrella Insurance

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What Is Umbrella Insurance, and How Can It Help Protect You?

From the tranquil outdoor landscapes of Westport, Massachusetts, to the picturesque seaside views of Bristol, Rhode Island, our stunning South Coast environment allows for a unique and enjoyable lifestyle not only during the summer months, but all year long.

That’s why it’s important to protect what matters most to you. At BayCoast Insurance, one of our main goals is to help clients secure personalized insurance solutions for their home, car, condo, or boat. But even with these critical protections, there is another important insurance program customers may want to consider to help ensure peace of mind: an umbrella insurance policy.

In general, insurance policies, such as those for auto and homeowners, are designed to protect you against a host of potentially costly situations, from a minor fender bender to a home fire or theft. However, these policies, commonly called underlying policies, are typically only the first line of defense against risks. They usually include specific liability coverage limits, which means they may help when you have a covered loss, but only up to a point. For example, if you or someone in your household is at fault in a car accident that causes serious injury to another person and you are sued, these underlying policies could very well fall short of the substantial monetary amount you may be responsible for paying. However, you’ll be relieved to know that the BayCoast Insurance team offers umbrella insurance as a potential solution.

Do you need umbrella insurance?

An umbrella policy provides additional coverage to help protect you from the costs of claims that exceed the limits of your existing policies or for claims that may not be covered by liability policies. Essentially, an umbrella policy provides an extra layer of protection for you and your assets.

If you’re not sure whether you need this type of coverage, the BayCoast team is ready to help you! Contact us today to speak with a knowledgeable staff member. We’ll review your specific situation and help you determine if this type of policy would be an essential addition to your insurance portfolio. Answering the following questions will help us get to know more about you and your specific insurance requirements, giving us additional insight into potential protection gaps that an umbrella policy may be able to fill:

  • Is there a swimming pool, trampoline, or hot tub at your home?
  • Are you a boat owner?
  • Do you have a dog?
  • Are you a rental property owner?
  • Do you own a recreational vehicle or motorcycle?
  • Are you frequently entertaining at your home?
  • Do you own firearms?
  • Are you a board member or volunteer for any organizations?
  • Do you employ domestic workers?

Did you answer “yes” to any of the above questions? If so, it’s important that you schedule a consultation with us.  While the level of exposure to potential risks may vary from person to person, we typically find that an umbrella policy offering $1 million to $5 million in coverage limits meets most clients’ needs. This amount of protection also generally fits most clients’ budgets. An umbrella policy can also be secured for clients who require limits of $10 million to $15 million, and even higher dollar amounts if necessary.

BayCoast offers an array of exceptional solutions, such as umbrella insurance, to help support your life and goals.

BayCoast Insurance is ready to help community members on the South Coast of Massachusetts and Rhode Island build smarter insurance portfolios for their homes, cars, boats, and more.  If you would like to learn more about an umbrella policy, we encourage you to reach out to us today at 508-491-3100. We can also help answer questions about any of our other personal insurance services and products.

Let’s work together to determine the best insurance solutions for you, your loved ones, and your future.