Life is unpredictable, and while your home and auto insurance offer great liability protection, sometimes they’re just not enough. That’s where umbrella insurance comes in—it’s the safety net you didn’t know you needed but will be so glad you have. And the best part? It can cost as little as $20 a month for an extra million dollars in coverage. Talk about peace of mind at a bargain!
Umbrella insurance is like the superhero of policies—it steps in when your standard insurance coverage hits its liability limits. If you’re ever faced with a major liability claim (think: a serious car accident, an injury on your property, or even a lawsuit), umbrella insurance covers the extra costs that could otherwise come out of your pocket.
Here’s why it’s a must-have:
Extra Liability Protection: It covers medical bills, legal fees, and damages beyond your auto and home insurance liability limits.
Covers Legal Fees: If someone sues you, even unfairly, umbrella insurance helps with legal expenses.
Protects Your Assets: Your savings, home, and future earnings stay safe from massive liability claims.
Worldwide Coverage: It protects you even when traveling abroad.
Affordable for the Value: A small monthly investment gets you millions in extra protection.
While umbrella insurance is a great idea for everyone, it’s especially smart for:
Homeowners and landlords
Parents with teenage drivers
Pet owners (yes, dog bites can lead to lawsuits!)
People with significant savings or assets
Those who entertain guests or have a swimming pool
Anyone wanting to avoid financial ruin from a lawsuit
If you fit into any of these categories, it’s time to seriously consider adding umbrella coverage to your financial safety plan.
A good rule of thumb: your umbrella policy should cover at least the total value of your assets—your home, savings, investments, and even future earnings. Most policies start at $1 million in coverage, but you can easily increase it depending on your risk factors and financial situation.
We get it—insurance shopping can feel overwhelming. That’s why at Wells Insurance, we make the process easy, convenient, and stress-free. Our team of experts will walk you through your options, ensuring you get the best coverage at the best price.
✔ Trusted & Experienced – We’ve helped countless families and businesses stay protected.
✔ Customized Solutions – We find policies tailored to your unique needs.
✔ Streamlined Process – No confusing jargon, just clear, simple guidance.
✔ Affordable Peace of Mind – Get top-notch coverage without breaking the bank.
For as little as $20 a month, you can safeguard your financial future with umbrella insurance. Why take the risk when protection is so affordable?
Contact Wells Insurance today or visit our website to get your free quote. Let us handle the coverage, so you can focus on what matters most—living your life with confidence and security.