Personal Umbrella Insurance2023-09-25T09:31:10-04:00


Personal Umbrella Insurance

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Save up to 37% with Fearnow Insurance

Have you considered getting a personal umbrella policy? While you may have good car insurance and homeowners insurance policies, they may not be enough if someone gets severely injured on your property or in your vehicle or an expensive piece of personal property is damaged. In these instances, you may benefit from also having a personal umbrella policy.

Personal Umbrella Insurance

Personal umbrella insurance helps if your standard or basic insurance policies reach their limits before the entire claim is paid. For example, let’s say you’re involved in a car accident, and that accident was determined to be your fault. The claim for the accident is 250,000 dollars. Your current auto policy has a limit of $100,000. If you have a personal umbrella policy, that policy would pay the remaining 150,000 dollars. Without an umbrella policy, you’d have to pay the remainder from your own finances.

What Our Customers Say

My wife and I reached out to Fearnow Insurance about 1 week ago to get a more competitive price for our homeowner's insurance. We were helped through the quote process by Lydia Bobek at the Seffner office ! WOW ! - She was all of these : friendly, helpful, knowledgeable, efficient - and thorough ! She was able to save us serious money for a policy comparable to what we had with a different insurer. More importantly, she made sure what we were getting was the RIGHT policy for our needs. Fearnow was great ... Lydia though, is AWESOME !
Gerry Rotondo
17:59 26 Feb 24
My agent is Matthew Wink, and he has provided me with excellent service for many years. I am very satisfied with his professionalism and customer service.
Bryan Mion
00:56 24 Feb 24
I would highly recommend Fearnow Insurance (Seffner, FL) if you not only want the quickest results to your home insurance needs, but also the best value given your personal circumstances.Our family has been made to feel prioritized, given the fast return response times to all of our questions/concerns.Our representative, Joseph Boyle, with nearly 30 years of experience, is adept in his field, and with this added value, being extremely knowledgeable follows as should be expected.He carries himself with the utmost professionalism, yet is also very personable, and explains our questions thoroughly, so we are not left in the dark.He will thoroughly review all options that best suit your family needs to get you most affordable policy. With his military background, it is clear that this has most likely contributed to his organizational skills, as well as extreme promptness.I would recommended Fearnow as my first choice, when comparison shopping.Best of luck and happy insurance shopping. Fearnow is sure to make it painless!
Kendal Donohoe
18:18 22 Feb 24
Gracias Jennifer por el excelente servicio como siempre. May profesional y amable.
Hanoi Lapaix martinez
03:52 22 Feb 24
Been using Fearnow for a few years now and they're great. Melanie is amazing and very helpful whenever I have any questions or issues
David Campbell
14:37 21 Feb 24
Jennifer Rubio helped us save! Thank you for all your help!
Brittany Bush
14:08 21 Feb 24
We have had a very nice experience with JOSEPH!Very helpful!
Carol Valvo
21:59 20 Feb 24
Lydia was/is my contact with Fearnow Insurance. I have never had such a nice experience when dealing with an insurance agent at a large insurance agency. Lydia was very nice , pleasant and knowledgeable. She listened to what I was inquiring about ( a new policy ) and asked relevant questions. She had a quote for me within 24 hours and it was a better policy than what I was leaving behind and for much less money. Everything was done over the IPHONE. Fantastic experience, HIGHLY recommend Fearnow Insurance and Lydia. I will be telling family & friends to give them a try.
Steve Doyle
20:08 06 Feb 24
Joe's service went above and beyond my expectations. He works quickly and thoroughly with great attention to details. I recommend Joe as a great agent to serve you well!
James Reed
20:43 03 Feb 24
I have nothing but praise for this company. I have dealt with Matthew Wink for several years and he is knowledgeable, attentive, and professional. He jumps right on my requests and puts forth maximum effort to save me money where possible. I'm his customer for life!!
Ron Clemmons (illconsumed)
02:40 02 Feb 24

The Fearnow Agency Advantage

  • We work for you, not the insurance carriers, to ensure your claims are processed efficiently and are paid out quickly.
  • Unlike a single-company agency, we have access to over 100 carriers, so we’re never limited in the services we can provide you.
  • We can save you up to 37% in insurance cost, or get better coverage for the same cost.
  • We always provide full disclosure of plan inclusions and exclusions.
  • We offer customized plans tailored specifically to your needs, instead of forcing you into a pre-packaged solution that won’t really work for you.
  • Our agents are continuously training, so they stay the leading experts in their field.

Personal Liability Coverages

Personal liability insurance policies cover bodily injury, personal injury, and property damage. It’s important to note that an umbrella policy extends certain coverages that you already have and pays any overages that those policies do not cover.

Bodily Injury Coverage

The bodily injury coverage pays for expenses that are related to accidents. Most policies cover medical costs and loss of income for the injured people, and it covers funeral expenses if anyone died in the accident. For example, let’s say someone is badly injured in your backyard pool and requires surgery. If your homeowners policy only covers up to $200,000 in medical expenses and the cost of all the medical care is $400,000, your umbrella policy would cover the remaining $200,000.

Personal Injury Coverage

Personal injury coverage covers the costs associated with lawsuits if you are accused of certain things, libel, slander, invasion of privacy, and defamation. This coverage may also pay excess expenses if you are the cause of someone’s false arrest. For example, if you post something online that defames or slanders someone else and that person sees the post, they may sue you. If those costs are more expensive than your standard policy limits, you could be forced to pay the excess from your own personal finances unless you have an umbrella insurance policy.

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Property Damage Coverage

This policy covers the damage or loss of use of someone else’s property. For example, if your dog eats someone else’s expensive jewelry, you’d be responsible for having that jewelry repaired or replaced. In most instances, your standard coverage would pay those expenses. However, if it’s an extremely expensive piece of jewelry, your standard limits may not be enough. Under umbrella coverage, that policy would pay the remainder of the expenses.

Understanding Who’s Covered on an Umbrella Policy

The policyholder and their spouse are covered under the umbrella policy, as is any relative or dependent living in your home. You can also have others listed on the policy if you want to include them in the coverage.

What an Umbrella Policy Does Not Cover

It’s important to note that a personal umbrella policy does not cover every scenario or situation. If you have a business, your personal umbrella policy wouldn’t cover any damages. Instead, you’d need a commercial umbrella insurance policy. Also, personal umbrella insurance does not cover your personal belongings or any damages associated with an oral contract. You also may not be covered if damages occur during an intentional criminal act.

How to get Umbrella Insurance

It’s important to note that umbrella insurance isn’t a stand-alone policy. It’s meant to cover overages in case your standard policy limits are reached, and there is still money that needs to be paid to resolve the claim. Therefore, you need to have standard policies before getting umbrella insurance. Policies you may need before getting umbrella insurance include:

  • Car insurance – for your personal vehicle
  • Homeowners insurance – for your primary residence
  • Secondary homeowners insurance – for any additional homes you may own, like a vacation home
  • Renters insurance – If you rent your dwelling instead of owning it
  • Motorhome insurance – if you own a motorhome

Getting Personal Umbrella Insurance with Fearnow

Our agents at Fearnow can help you get umbrella insurance so that you are fully covered in the event of a high-dollar claim. Our agents can answer your questions, determine if you have the correct standard coverage, and provide you with a detailed quote for personal umbrella insurance. If you do not have the appropriate standard coverages, like homeowners insurance or car insurance, we can also give you quotes for those policies.

To learn more about personal umbrella insurance and to get a free quote, give us a call at (813) 689-8878.