Personal Umbrella Insurance
A Personal Umbrella Insurance policy protects you in a claim when your auto or other personal policy liability limits are exhausted, and you are faced with a lawsuit and potentially millions of dollars in liability exposure.
A million dollars can add up easily, particularly if the injured person suffers injuries that keep him or her from working for weeks, months, or years. The victim of an accident could sue you for medical bills, lost income, even pain and suffering, not to mention damage to their vehicle, and cost for an attorney. Depending on the extent of the damage and injury, after your personal policy liability limits are exhausted, you are responsible for paying the rest, if you are at fault in an accident, and that could mean financial disaster.
Baughman and Associates can provide the Personal Umbrella Insurance to Protect You and Your Family.
We can provide $1 million or more of Personal Umbrella Insurance protection on top of your personal policy liability coverages–and it is not that expensive. You can usually buy a personal umbrella insurance policy with $1 million limits for $150 to $300 a year. If you need more than $1 million limits, you can buy each extra $1 million of coverage for $100 to $150.
Why Baughman and Associates?
Located in Forest, Virginia, Baughman and Associates is a full-service Independent Insurance Agency that represents many top-rated companies. We assess risks, develop strategies and shop companies to find the best coverage for the price.
Companies we represent include: Loudon Mutual, Foremost, National General, Northern Neck, State Auto, Travelers, and others.
For our clients’ convenience, our Agents are available for both policy questions and claims consultations during regular business hours. We also operate on an appointment basis. Have an after-hours claim or emergency? …our Agents are available by cell.
At Baughman and Associates, we are dedicated to providing the most exceptional and timely customer service in the industry!
Baughman and Associates provides Commercial Insurance and Personal Insurance services in Virginia. Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote. Let us do the research and find the best insurance value for you.
Personal Insurance Coverage for Different Needs
On the right sidebar of this page, you will find links to a number of personal insurance resources. Click on any of the different personal insurance coverage categories to learn more about specific insurance issues and coverages. Please call one of our insurance agents at Baughman and Associates for any assistance.