Umbrella Insurance in Pennsylvania

Umbrella insurance offers protection when our liability exceeds the limits of our underlying policies, a situation most often involving consumers' home and auto policies. For example, if you were found responsible for a traffic accident in which others suffered injuries, you could be found financially responsible for those injuries.

Pennsylvania's minimum auto insurance liability requirements are low, so the Daniel Fitzsimmons Agency generally recommends that Dresher, PA area clients acquire coverage exceeding the Pennsylvania minimums. Nevertheless, you could be found liable for amounts exceeding your policy limits, in which case you remain responsible for the difference. In the worst case, that liability could risk your savings, home, or other assets.

How Umbrella Insurance Works

Umbrella insurance protects us in those situations since it sits atop your other policies and activates only when you exceed the limits of your underlying policies. It protects you against uncommon but potential situations and ensures you can compensate those you may have harmed.

Besides supplementing your home and auto liabilities, an umbrella policy helps protect against other situations, such as legal and court costs, including libel and slander. It does not cover personal property losses, contractual obligations, or fraud but provides extra protection to your standard policies.

How Much Umbrella Insurance Do I Need?

With rising medical and legal costs, liability amounts continue to increase; some recommend umbrella protection equal to at least your net worth. However, umbrella protection is relatively inexpensive since it sits atop your other policies, so we will be happy to work with you to determine the amount that fits your needs.

Working with Daniel Fitzsimmons Agency

There is comfort in knowing you and your family are protected in a world where anything can happen. Our team at the Daniel Fitzsimmons Agency, serving Dresher, PA, will work with you to offer the benefits of umbrella insurance as part of your overall insurance plan.