Get A Quote
Client Portal

Umbrella Insurance

Umbrella Insurance

Extra Protection for Life’s Unexpected Events

Life is unpredictable, and sometimes, accidents can lead to costly lawsuits that exceed the limits of your home, auto, or other insurance policies. That’s where Umbrella Insurance comes in—a simple and affordable way to protect your assets and future income from unexpected claims and legal battles.

What Is Umbrella Insurance?

Umbrella Insurance provides an extra layer of liability coverage beyond your existing auto, home, or other personal insurance policies. It acts as a financial safety net, covering legal costs, medical expenses, and damages in cases where you’re found personally liable for an accident or injury.

This coverage applies to incidents caused by:
✅ You (the policyholder)
✅ Family members in your household
✅ Your pet

If you’re ever sued for a major accident, injury, or property damage, an umbrella policy helps ensure you don’t have to pay out of pocket or risk losing assets like your home, savings, or investments.

What Does Umbrella Insurance Cover?

  • Bodily Injury Liability: Covers medical expenses for injuries caused by you, your family members, or your pet. Example: Someone slips and falls on your property and sues you.
  • Property Damage Liability: Covers damage to someone else’s property. Example: Your teen driver causes a major accident, damaging multiple vehicles.
  • Legal Fees & Defense Costs: Covers lawyer fees and court costs, which can add up quickly in a lawsuit.
  • Landlord Liability: Protects rental property owners from tenant injury claims.
  • Defamation & Personal Injury Lawsuits: Covers libel, slander, or invasion of privacy claims.

What’s Not Covered?

Umbrella Insurance does not cover personal injuries, damage to your own property, or business-related claims. It also won’t cover intentional harm or criminal acts.

How Much Coverage Do You Need?

Most umbrella policies start at $1 million in coverage, with the option to increase in $1 million increments. The right amount depends on factors like your net worth, assets, and risk exposure. A good rule of thumb: Your umbrella policy should cover at least the total value of your assets.

💰 How Much Does It Cost?
Umbrella Insurance is surprisingly affordable! A $1 million policy typically costs around $200 per year—that’s less than $17 per month for peace of mind.

Why Choose Good Apple Insurance for Your Umbrella Policy?

At Good Apple Insurance, we understand that life happens—but financial loss doesn’t have to. As an independent agency, we work with top-rated carriers to find you the best umbrella policy at the most competitive price.

🌟 Personalized coverage tailored to your needs
💡 Expert guidance on the right policy limits
📞 Easy quotes and hassle-free service

Get A Quote

Proud Members Of

Your trusted partner for personalized insurance solutions in York, PA, delivering peace of mind with exceptional service and affordable coverage options.

Facebook-f Instagram
Quick Links
Get In Touch

©2025 Good Apple Insurance. All Rights Reserved. | Privacy Policy | Sitemap | Website by Misfit Interactive

Clicky