Emery & Webb Insurance | Personal & Business Insurance Specialists | Fishkill, NY | (845) 896-6727
Why Umbrella Insurance Matters
You’ve worked hard to build a life you’re proud of — your home, your savings, your car, and everything in between. But what happens if an unexpected accident or lawsuit goes beyond the limits of your current insurance policies?
That’s where umbrella insurance steps in. It’s extra protection designed to keep your financial future secure when the unexpected happens.
What Is Umbrella Insurance?
Umbrella insurance is additional liability coverage that extends beyond your existing auto, homeowners, or renters insurance.
For example, if you cause a car accident and are held responsible for $600,000 in damages but your auto policy only covers $300,000, your umbrella policy could pay the remaining $300,000.
It’s designed to protect your savings, income, and assets when standard policy limits aren’t enough.
When to Consider Umbrella Coverage
You should think about umbrella insurance if:
1. You Own Property
Homeowners and landlords face potential liability if someone is injured on their property.
2. You Drive Often — or Have Teenage Drivers
Auto accidents are one of the most common causes of large liability claims.
3. You Have Savings or Investments to Protect
The more you have to lose, the more you need to shield it. Umbrella insurance helps protect your assets from lawsuits or major claims.
4. You Host Guests or Events at Home
Even a simple gathering could result in an injury or property damage — both potential liability risks.
5. You Own Pets, Boats, or Recreational Vehicles
These increase the chance of liability claims beyond your standard policy limits.
How Much Coverage Do You Need?
Umbrella policies typically start at $1 million in coverage and can go much higher.
Your ideal coverage depends on:
- Your net worth
- Property ownership
- Number of vehicles or drivers in your household
- Other assets (like rental properties or investments)
An Emery & Webb agent can help you calculate the right amount of coverage based on your lifestyle and financial goals.
How Much Does It Cost?
Many people are surprised to learn that umbrella insurance is affordable — assuming you’re a “standard” risk and already carry solid home and auto liability limits. It’s one of the most cost-effective ways to protect your financial security.
Protect What You’ve Built
At Emery & Webb Insurance, we believe peace of mind shouldn’t come at a high price. Whether you’re a homeowner, parent, or business owner, umbrella coverage can be the difference between a minor setback and a major financial loss.
📍 989 Main Street, Fishkill, NY 12524
📞 (845) 896-6727 | Toll-Free: 800-942-5818
🕘 Monday–Friday, 8:30am–5:00pm