Umbrella Insurance for New York

Imagine you've just hired a roofer to fix some trouble spots on your house before the rainy season begins. Before he finishes a faulty beam snaps and he falls. He breaks some ribs and has a concussion. You feel horrible.

But after he gets out of the hospital, you find out he’s suing you for the year he won't be able to work and run his business. Now you feel worse. He is seeking almost $350,000 between medical costs and loss of income. But your standard home insurance will only pay up to $100,000.

How will you pay for the difference?

Don't let this happen to you. Look into umbrella insurance to help you extend your coverage past where your current insurance ends.

Most of us have home and auto insurance. As part of those policies we are offered some sort of liability coverage in case of a lawsuit. And generally to keep premiums down, these policies offer low maximum award protection.

Umbrella insurance takes over where these policies max out to protect you, your family and your estate from large settlements.

Umbrella insurance can help you cover:

  • Medical costs
  • Liability lawsuits
  • Legal costs

NY Umbrella Insurance can Protect You From Life's Oncoming Storms

It adds $1 million (or more) of liability protection on top of your auto, home, and boat liability coverages, and because it is designed for those really rainy days, umbrella insurance is cheap. You can usually buy umbrella policies with $1 million limits for $130 to $250 a year. If you need more than $1 million limits, you can buy each extra $1 million of coverage for $100 to $150.

How much insurance is enough? The answer is different for everybody. It depends on what you want to protect, and how much risk you are willing to assume. Your goal with an umbrella policy is to put as much of an insurance "buffer" between a serious accident and your hard earned savings as possible.

Fill out the quick and simple Protection Savings Form above and let the experts at Brooks-Waterburn review your personal situation today to make sure you are covered with the best protection possible!

Brooks-Waterburn Corp. Umbrella Insurance

For 50 years, residents in Westbury and throughout Long Island have enjoyed unmatched umbrella insurance options from Brooks-Waterburn Corp. With one of our expert agents, you can create an umbrella insurance plan that gives you exactly what you need at a reasonable price.

Upgrade your umbrella insurance with Brooks-Waterburn Corp. today! Just call, visit our office, or fill out the form on this page right now for a free quote!