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


Personal Umbrella Insurance

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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

Great agency! Joseph Boyles was helpful and easy to work with!
Bambi Adams
18:33 29 Sep 23
My experience with Fearnow Insurance and Joe Boyle was absolutely five star! From my first call to finalizing my homeowners insurance policy I was extremely pleased. Response time from Joe was really impressive. All of my questions were answered timely and I had quite a few of them along the way. He was very professional and made sure that I was comfortable with what I was signing and understood the policy and the coverage I was receiving. Unfortunately, our previous carrier was going out of business and we were on a time crunch with securing new coverage. He understood the sense of urgency and worked hard to make sure we were able to secure the coverage we were needed. I would highly recommend Fearnow Insurance to anyone looking to secure an insurance policy. In addition to my homeowners insurance I will also be reaching out to them to look into automobile insurance.
Gracie Praizner
20:26 27 Sep 23
If you need insurance Fearnow is the place to go! We've used Fearnow for the last few years and have built a great relationship with a lot of the staff but Jean Rodriguez takes the lead (I guess you can say she's our favorite agent). Recently we were having the hardest and most stressful time finding an insurance company for garage liability and sadly we were forced to shop with other agencies. Every company we spoke with said our current agent has clearly gone above and beyond for us and unfortunately couldn't help because Jean already approached the markets they were signed with. A day or two before our expiration date we had a quote with another agency. We sent the quote over to Jean to look over and Jean WENT TO WORK AGAIN and MADE IT HAPPEN!!! We appreciate Jean and the rest of the team at Fearnow and are so happy we can continue to have them on our team!! Thank You! Thank you! THANK YOU!!!!
Joshua Hernandez
17:12 27 Sep 23
Joe continues to provide excellent service! Earlier this year he helped with my mother's homeowner insurance by cutting the cost in half. Now he's helped with securing auto insurance for my daughter. He's very responsive & knowledgable. Highly recommend using Fearnow & Joe for your personal lines needs.
Amy Walker
01:04 23 Sep 23
Fearnow has handled our personal and commercial insurance needs for many years now and have always gone the extra mile to make sure we have our insurance needs taken care of!
All American Land Management LLC
20:10 22 Sep 23
Amanda Ball was AWESOME!!!!!!! Thank you so much!!!!
Mindy Polk
13:31 22 Sep 23
Gracias por Tu excellente servicio, Jennifer . Cada vez que hablo contigo es un placer, eres paciente y de verdad muestras interes en ayudar. Una clienta satisfecha.
Alejandra Del castillo
22:56 14 Sep 23
Highly recommend Fearnow Insurance and Daneen Stiles. She went above and beyond to keep me as a client. Explained all my options to me. Thank you!
Lori Rogers
13:32 12 Sep 23
Joe Boyle was able to help us out very quickly getting new Home and Car insurance after AAA decided to cancel us. Aside from getting this done in a day, it was cheaper as well. All this after we had been waiting for about 2 weeks, twice in a row by other "insurance agents" without as much a quote. Joe really killed it. Don't fear now, call Joe!
Maarten Huiskamp
22:23 11 Sep 23
Look no further for your insurance needs. As you all know, purchasing a home and finding a credible insurance agency can be stressful. Amanda Ball, went above and beyond answering any questions I had and guiding me through what I needed. She was so pleasant and easy to talk to. Highly recommended, she is my go to for all insurance needs!
Nicole Buchana
19:59 11 Sep 23

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.