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ANTINORA INSURANCE AGENCY

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ANTINORA INSURANCE AGENCY
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WHAT IS A PERSONAL UMBRELLA & DO I NEED ONE ?


What is a Personal Umbrella  AND  Do I Really NEED one ?? 

Life can change in an instant. A Personal Umbrella Insurance Policy helps protect you and your family against unexpected events that can wreak havoc on your family, finances and future.

Personal Umbrella protection is a low-cost insurance policy that picks up where your basic liability coverage in your Auto or Home policies leave off. It also provides additional coverage if you are sued for damages by someone as a result of an accident during recreational activities such as boating or golfing.

EXAMPLES :

Example #1 : An accidentally fire in your townhouse sweeps through four adjacent townhomes causing millions of dollars in damage and seriously injuring two of your neighbors. This results in several lawsuits totally over $3 million. Your Homeowners Insurance policy Provides for $300,000 Liability. How will you pay for the additional $2,700,000 in damages ???  An umbrella policy is available from limits of $1 Million to $5 Million and if this person had one, then it would have picked up the additional damages up to the umbrella policy limit chosen.

Example #2 : One evening while driving , you don't see a stop sign and unintentionally broadside a van carrying a group of children to little league practice. Several of the children were injured which resulted in several lawsuits for damages totalling $1 million. You have Auto Liability limits of $100,000 per person; $300,000 per accident. So the MOST any one person would get is $100,000 and the TOTAL paid out for this accident will be a maximun of $300,000.  How will you pay for the additional $700,000 in injuries and damages ???  A $1 Million umbrella would have covered this accident and your future would be bright, instead of having your wages garnished or property sold to pay for the damages which could result in your financial ruin !!

In today's sue happy world, a Personal umbrella could save you and your family against financial ruin. Feel free t o contact us today for a review of your policy AND a no-obligation Personal Umbrella Quote !

 

 



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3255 Brighton Henrietta TL Rd
www.Antinora.Com
Rochester NY 14623
Phone: 585-723-3250
Fax: 585-723-8003


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