Personal Umbrella Insurance in Hawaii
A personal umbrella insurance policy is the ultimate way to protect your assets and your future. In addition to your standard lines of coverage, a personal umbrella provides an extra level of protection.
A personal umbrella policy covers you when your auto, home, or other personal lines insurance policy is exhausted. A personal umbrella policy is a great way to protect yourself from a lawsuit that not only can impact your current assets but your future earnings as well. The simple fact is that in today’s lawsuit-happy culture, the unfortunate scenario of being sued for damages that exhaust your other policy limits is a real possibility. Ask your agent today about a personal umbrella policy.
Broader Coverage
An umbrella policy may also pay claims that are not typically covered by other personal policies. The umbrella policy not only covers you, but all other family members living within a household often anywhere you travel in the world. The umbrella coverage will also cover attorney’s fees for defense.
Talk to a qualified Carr’s Insurance agent today about a personal umbrella policy today.
Looking for a Commercial Umbrella Insurance policy? We have those too!
Frequently Asked Questions about Personal Umbrella Insurance
Who needs a personal umbrella insurance policy?
Anyone who wants additional liability coverage for their home, auto, boat, or rental insurance property should get an umbrella insurance policy. Umbrella insurance gives you above and beyond insurance protection.
What are the limits available for umbrella insurance?
Typically umbrella insurance policies are available in $1 million – $3 million. While uncommon, higher coverages can be found.
In what situation would an umbrella policy come in handy?
There are countless situations where umbrella insurance would come in handy. Here is one example:
You get into a car accident where you are at fault. Your insurance policy covers you for $500,000 in 3rd party damages. However, the other individuals in the car accident needed medical attention and future treatment for rehabilitation. On top of that, their car was totaled. The total damages for the other party are more than $650,000.
You are responsible for the remaining $150,000 that your $500,000 insurance policy did not cover. If you have an umbrella insurance policy, it would then kick in to cover this excess liability. If you do not have an umbrella policy, would you be able to foot the bill? If you cannot pay for the remaining balance, a court may issue your future wages to be garnished.
GET A QUOTE
Carr’s Insurance Agency represents the top-rated insurance companies in both Hawaii & Washington. We will compare pricing and coverage options finding you the best policy for your needs. Call us at: (808) 836-2277 or click the button below to send us a message for your quote.
Hawaii Office
Wahiawa, HI 96786
Washington Office
Stanwood, WA 98292-8019
About Us
Carr’s Insurance Agency opened its doors in Hawaii in 1990 and is happily serving Oahu, Maui, Hawaii, Kauai and Molokai and recently opened an office in Washington State. We believe we have thrived in our home of Hawaii because of the respect and aloha we provide to our customers. Carr’s Insurance Agency will go the extra distance to make sure you get the service you deserve We offer All lines of Insurance. Carr’s Insurance Agency is available online 24/7. Feel free to stop into our office or call us anytime. If you are interested in an insurance quote, and would like a licensed agent to contact you, please click here or call 808-836-2277 (CARR)