Umbrella Coverage
Protect Your World with an Extra Layer of Security
You’ve worked hard to build your life, your home, and your savings. But in a world where accidents happen and lawsuits are common, a single unfortunate event could put everything you own at risk.
Standard auto and homeowners policies have limits. When those limits are reached, you are personally responsible for the remaining balance. That’s where The Davies Agency Umbrella Insurance comes in.
What is an Umbrella Policy?
Think of an umbrella policy as a fail-safe for your finances. It provides an additional layer of liability protection that sits on top of your existing insurance policies. If you are held liable for a major accident, injury, or property damage that exceeds your primary coverage, your umbrella policy kicks in to cover the rest.
Personal, Business, and Commercial Insurance CoveragePersonal, Business, and Commercial Insurance Coverage
Do you really need an umbrella policy?
Common Scenarios Where an Umbrella Policy Comes in Handy
Many people believe umbrella insurance is only for the wealthy. In reality, it’s for anyone with assets to lose, including your current savings and even your future earnings.
Consider these common scenarios:
- You cause a serious accident involving several vehicles and multiple injuries.
- A visitor slips on your icy walkway or trips on your stairs and requires long-term medical care.
- A family member is sued for libel or slander due to something posted online.
- An accident occurs at a property you own, and the damages far exceed your landlord policy limits.
Shopping for around for my new homeowners insurance, Jay was amazing! He took his time explaining the items in my new policy and saved $1350 per year. Also he was super flexible with my tight schedule and worked with me. Ask for Jay!
Joel De La Garza
Why Choose Davies Agency
At The Davies Agency, we take the time to look at your total financial picture to ensure there are no gaps in your safety net.
Expert Guidance: We help you determine exactly how much coverage you need to stay protected.
Affordable Peace of Mind: Umbrella insurance is surprisingly affordable, often costing less than $1 a day for a million dollars in coverage.
Seamless Integration: We coordinate your umbrella policy with your existing auto and home insurance for maximum efficiency.
