Beyond the limitations of your typical home, auto, or boat insurance policy, umbrella insurance offers an additional degree of liability protection. The first thing to do if you’re not sure if it’s right for you is to speak with a knowledgeable Connecticut insurance agent. We at Nickerson Insurance Agency assist homeowners and car owners in comprehending the advantages of umbrella insurance and how it may provide comfort.

When your primary insurance policies are fully insured, umbrella insurance provides additional liability coverage. It guards against:

• Legal fees and court judgments.
• Injuries or damages caused by you or your property.
• Certain claims that are not covered by standard policies, like libel or slander.

Anyone looking for additional protection against unanticipated liabilities or with substantial assets may benefit greatly from umbrella insurance. You could gain if you:

• Own a home or multiple properties.
• Have substantial savings or investments.
• Own vehicles, boats, or other high-risk assets.
• Frequently host guests on your property.

An experienced Connecticut insurance agent can help determine whether this coverage suits your specific needs.

Umbrella insurance pays the difference if a claim is beyond the liability limitations of your house or auto insurance. For instance, your umbrella policy safeguards your assets and financial stability by paying the difference if you cause an automobile accident that results in damages greater than those covered by your auto policy.

At Nickerson Insurance Agency, we provide tailored solutions to meet your needs:

• Personalized Guidance: We assess your current coverage and recommend the best options.
• Expertise: With years of experience, we explain policies clearly and answer your questions.
• Local Knowledge: As a Connecticut-based agency, we understand state-specific risks and requirements.
• Ongoing Support: From setting up policies to handling claims, we’re here every step of the way.

Addressing Common Misconceptions

• It’s Only for the Wealthy: While it protects substantial assets, umbrella insurance is an affordable way to secure peace of mind for anyone.
• It’s Too Expensive: Umbrella policies are cost-effective compared to the protection they offer.
• It Covers Everything: Umbrella insurance has exclusions, which is why working with a knowledgeable agent is essential to understanding your coverage.

How to Get Started

Securing umbrella insurance is simple:

1. Assess Your Risks: Consider your assets and potential liabilities.
2. Consult an Expert: Meet with a Nickerson Insurance agent to explore your options.
3. Review Your Policies: Ensure your existing coverage works seamlessly with umbrella insurance.

Don’t take any chances with your financial stability. We at Nickerson Insurance Agency make it simple and stress-free to comprehend and obtain umbrella insurance.

To find out how umbrella insurance may protect your future and provide you with peace of mind, get in touch with us right now.