Umbrella Insurance

Extend Your Protection Beyond Standard Policies

Life is full of unexpected events, and even the best insurance policies may not fully cover every scenario. That’s where umbrella insurance comes in. At GRIT Insurance, we offer customizable umbrella insurance policies to provide an extra layer of liability coverage, ensuring your assets and future are protected against life’s surprises.

What Is Umbrella Insurance?

Umbrella insurance is supplemental liability coverage that goes beyond the limits of your existing policies, such as:

• Homeowners Insurance
• Auto Insurance
• Watercraft Insurance

This type of policy steps in when your primary coverage is exhausted, offering peace of mind and financial security.

Why Do You Need Umbrella Insurance?

Umbrella insurance is essential for individuals who want to protect themselves from major financial losses. Here’s why it’s a smart choice:

• Lawsuits Are Expensive
  Legal fees and damages can easily exceed the limits of standard liability coverage.

• Protect Your Assets
  Without sufficient coverage, your personal assets, savings, and even future earnings could be at risk.

• Coverage for the Unexpected
  Umbrella insurance covers situations not typically included in standard policies, like defamation or libel.

• Affordability
  Compared to the amount of additional coverage it provides, umbrella insurance is surprisingly cost-effective.

Key Features of Umbrella Insurance

With GRIT Insurance, your umbrella policy includes:

• High Coverage Limits
  Policies often start at $1 million and can extend up to $10 million or more.

• Worldwide Coverage
  Protect yourself against liabilities, even when traveling abroad.

• Personal Injury Coverage
  Includes protection against claims like defamation, slander, or libel.

• Extended Liability Protection
  Covers incidents involving rental properties, recreational vehicles, or other unique situations.

• Coverage for Legal Costs
  Pays for legal defense fees, which can be a significant expense during lawsuits.

Who Needs Umbrella Insurance?

Umbrella insurance is ideal for individuals who:

• Own significant assets, including homes, vehicles, or investments.
• Have teenage drivers in the household.
• Frequently entertain guests or host events.
• Own rental properties or other real estate investments.
• Want additional peace of mind for unforeseen situations.

If you’re concerned about protecting your financial future, umbrella insurance is a wise investment.

How Umbrella Insurance Works

1. Primary Policy Coverage
   Your homeowners, auto, or other liability policy will pay up to its limit for a covered claim.

2. Umbrella Policy Activation
   When the primary policy’s limits are exceeded, the umbrella policy kicks in to cover the remaining costs.

3. Broad Coverage Scope
   Umbrella policies often cover additional liabilities not included in your primary policy.

For example, if you’re found liable for an accident resulting in $1.5 million in damages, and your auto policy covers $500,000, your umbrella policy can cover the remaining $1 million.

Why Choose GRIT Insurance for Umbrella Coverage?

At GRIT Insurance, we make it simple to protect what matters most. Here’s why our clients trust us:

• Customizable Policies: Tailored to your unique coverage needs.
• Expert Advice: Our agents help you determine the right level of coverage.
• Affordable Options: Enjoy significant protection at an affordable price.
• Comprehensive Protection: Gain coverage for everything from auto accidents to personal liability claims.

When you choose GRIT Insurance, you’re choosing protection you can trust.