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Umbrella Insurance

Let us compare umbrella insurance policies and provide you with options.

We won’t try to pair you with a one-size-fits-all policy. We’ll help you explore your options for your insurance coverage. Call us (802) 773-3000

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Umbrella Insurance

Umbrella Insurance from Hull Maynard Hersey

The reason to purchase any type of insurance is to protect yourself and your property from the unexpected. However, even the best insurance policies cannot account for every possible scenario.

Therefore, you may find yourself in a situation where your existing policy doesn’t cover the financial damages involved. Consider the following.

You have an eager teenage driver who’s just gotten their license and gets in an accident with the family car, causing injuries to the other driver and exceeding the liability limits on your auto insurance policy. This is where umbrella insurance can kick in to provide additional coverage to cover the costs of the other driver’s medical bills and related claims. A personal umbrella policy doesn’t provide coverage on its own; instead, it provides excess liability coverage for those times when standard insurance policies are at their limits.

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Should you purchase umbrella insurance?

Not everyone needs umbrella insurance, but it can benefit a wide range of people. It’s most often recommended for anyone with significant assets to protect.

In addition, anyone who may have a higher chance of getting sued—such as public figures—will benefit from umbrella insurance coverage. If any of the following factors apply to you, it’s time to sit down with an agent at Hull Maynard Hersey Insurance to discuss the liability coverage you should maintain.

  • You own property.
  • You work or volunteer for your kids’ school or sports teams.
  • You serve on the board of a nonprofit organization.
  • Your property includes features that are more likely to lead to injuries (e.g., pools, trampolines, and hot tubs).
  • You frequently host guests or entertain in your home.
  • You have an inexperienced driver on your auto insurance policy.
  • You have significant financial assets.
  • You are employed in a controversial field.
  • You are a local public figure.


How does umbrella insurance work?

There are many different scenarios where you may need to tap into your umbrella coverage. In general, umbrella insurance covers you and members of your household against lawsuits involving damage to others or their property. Umbrella insurance does not cover personal injuries to yourself (or others on your policy) or your property. It can supplement almost any type of primary insurance policy, including home insurance, auto insurance, and boat insurance.

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How much should your personal liability umbrella policy cover?

The best umbrella insurance will depend on the primary reasons you’re seeking coverage as well as the assets you’re aiming to protect. It’s usually wise to have enough liability insurance to protect your net worth. Sitting down with one of our agents will help you customize your policy and explore your options for your insurance coverage.

Hull Maynard Hersey Insurance is not your typical insurance agency eager to unload expensive policies our clients don’t really need. We take the time to get to know each of our clients and explore the options that may be available to meet their needs. Experience the difference with us by filling out the form below to start your policy quote. Our offices are in Vermont, but we also serve clients throughout New Hampshire, Massachusetts, Maine, and New York.

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