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Umbrella insurance is a policy that offers protection against catastrophic losses. It provides additional liability coverage that covers you if your liability goes beyond the limits of your other policies.
This would protect you from major claims. If you were held liable for an automobile accident, for instance, for more than your auto insurance liability limit, an umbrella policy would cover the difference.
An umbrella policy also provides coverage that may not be covered by your other policies, for things like major damages due to libel or slander.
The policy can add liability coverage for things like someone being hurt by falling at your home, or your dog causing damage. It could even cover damage caused by your child while at school. In addition to the libel and slander protection, it can also protect you from malicious prosecution or any personal liability situation.
These policies are not for everyone. Generally experts say they are a good idea if your assets are more than $1 million. An umbrella policy could come in handy if you were a few weeks away from retirement, and were liable for major damages. You could lose your entire retirement savings as the result of a major accident.
For normal liability situations, your regular policies will take care of any losses you may have caused, but they all have limits. If you are ruled liable for losses, you will still be responsible for the debt if it goes beyond your insurance limits.
These type policies are also a good idea for people who have a lot of assets. Often people will sue for more if they think a person has a lot of money. The main thing the policy offers is peace of mind.
Visit your independent insurance agents in Buford, Georgia to learn more. Agents at Town & Country Insurance in Buford can help you determine what umbrella type coverage you may need.
"I have dealt with many insurance companies for many years for my commercial and personal needs, most with very limited success. I am glad to recommend the fine folks at Town and Country. They offer vastly superior service, continued support and solutions during all aspects of our business. Regardless of your needs, auto, business, workmen's comp, or residential, Dan, Debbie and the crew have continued to earn our business, and our trust. With all the difficulties of running our business, I consider it a bonus to know that our insurance concerns are well addressed, and with a company who really cares for its clients
Al Dina, CRL.
Braselton Safe and Lock, Inc
Braselton, GA
About nine months ago, I was reading an article in AARP that suggested checking out an independent insurance agency to see if you were over paying for coverage. Our homes and cars had been insured with State Farm for over thirty years. We were not unhappy, but I wanted to compare coverages and rates. I Googled independent insurance agencies near where we lived and several came up. I called them all. When I spoke with Debbie and Howard at Town and Country Insurance, I immediately had a good feeling that I would be more than just another paying client. I WAS RIGHT! Debbie spent hours searching companies, rates and coverages for us. I am happy to say we are now paying less for our cars and home insurance, and better yet, we have more coverage.
Linda P.
Hoschton, GA
It was almost a year ago that I was fortunate enough to begin doing business with you and your company. I don’t remember how many hundreds of dollars you saved me initially, but it has been substantial. I think I had 5 vehicles and 6 drivers, most of them young males that you were able to insure for much less than what I had been paying. Since then I’ve added and subtracted different vehicles and you’ve always handled the adjustments professionally and efficiently. In fact, you even followed up mid-policy to update one of my son’s records to save me some more money. It has been a pleasure working with you and hope to continue for years to come
John B
Evans, GA
Town & Country Insurance Agency reduced my car insurance by $500 a month and of seven bids for my home insurance, the closest bid to Auto Owners policy was $125 higher with less coverage. My car insurance policy was with Auto Owners too. I’m 65 and this is the friendliest and best service I have ever received from an insurance agency. Try them you won’t regret it.
James B
Buford, GA
We really enjoyed the warm and friendly service, enjoyed the family atmosphere of the agency, and we know that we received the best possible rates with the best coverage.
Cary and Sheryl M.
Buford, GA
