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Did you know?

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.

Coverage

How does umbrella insurance work?

Beyond the protection that traditional policies offer, umbrella insurance can provide an extra layer of coverage to ensure complete peace-of-mind.

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.

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.

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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.

Experience the difference with us by filling out the form at the bottom of this page to start your policy quote, or you can also reach out to us directly by phone.


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Why Choose Us

Umbrella Insurance from Hull Maynard Hersey

Our local independent agency is here to help clients in Vermont, New Hampshire, Massachusetts, New York and Maine compare umbrella insurance policies quickly. With our expertise we can provide the best options for your unique needs.

Save You Time

We take the time to get to know each of our clients and explore the options that may be available to meet their needs.

Fit To Your Needs

Hull Maynard Hersey Insurance works with a variety of insurance carriers, so you can design a policy that’s right for you.

Customer Service

Working with Hull Maynard Hersey Insurance, you’ll find that our strength is in our customized approach to customer service.
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