tinaandreattainsurance

Stop for a moment to reflect on everything you've worked for in your life--your home, your car, your families security. You may even have a recreational vehicle or a boat for family getaways. And, if you're reading this, you probably have adequate Auto, Home and LIfe insurance coverage.

So, chances are, you'll probably never have to worry about exposure to large liability losses. But what if....?

In today's society, no one is exempt from large liability losses. Let's face it: people are growing more willing to sue every day. The bottom line is: It can happen to you. If it does, Farmers can help you get back to where you belong.

Supplement your existing coverage

The parents of a teenager gave him a car for his 17th birthday. The parents had an Auto policy with a $500,000 per claim liabilty limit. One day, the teenage driver crossed over a median and collided head-on with another vehicle. Two passengers in the othert car were killed, and a third was seriously injured. The 17-year-old was found negligent and ordered to pay $1.5 million to the settle the injury claims. Fortunately, the parents carried an Umbrella. The auto policy paid $500,000 and the Umbrella paid the remaining $1 million.

With the Personal Umbrella policy, you have additional coverage once the limits under your primary policy are used up. Your assets, your home equity as well as your future earnings are covered.

Added features

Besides providing increased liabilty limits, a Personal Umbrella policy gives you these additional benefits:

You are covered against claims that may not be covered by your underlying policy for Homeowners's, Auto liability and Watercraft liablity, such as libel, slander of defamation of character.

You are covered anywhere in the world.

You are covered for defense costs and attorney fees associated with claims. A Personal Umbrella policy pays these when your primary policies will not. These expenses are paid in addition to you policy limit.

Many of the things we don't usually think about

Can you afford to be without it? Call me for a quote. 831-462-6100

The good news is that the cost for this high level of coverage is surpisingly low.