Umbrella Insurance in Natick, MA to Protect Your Family

Supplemental Insurance for All the Things that Matter

Since 1965, the agents at Connell & Curley Insurance Agency have been providing individuals throughout Natick, Massachusetts, with comprehensive insurance options, including personal umbrella insurance. Our agents will comb the leading insurance companies in the industry to uncover the very best policies for you. By working with our knowledgeable and experienced professionals, you can feel confident that you're getting the right coverage for your lifestyle. Our recommended policies are customizable to suit your needs and budget. Learn more about our umbrella insurance policies, and then contact us today for your free quote.

What Is Personal Umbrella Insurance?

If you've exceeded the coverage of your home or auto insurance liability amount, you may be responsible for any out-of-pocket costs exceeding that amount. Personal umbrella insurance is a supplemental liability insurance policy. It's designed to fill gaps in your other policies when your liability claims exceed coverage amounts. Often, personal umbrella insurance comes with its own terms, conditions, and exclusions, allowing for better flexibility. For some individuals, regular liability coverage isn't enough to protect them. Personal umbrella insurance is like an extra level of protection for you and your family.

Who Needs a Personal Liability Umbrella Policy?

An umbrella policy is ideal for everyone, and when you choose to work with our agents, we'll help you determine if it's necessary. However, an umbrella policy is ideal for individuals who want or need additional insurance coverage for any potential liability claims. We know the details of each liability insurance policy we recommend, so we'll ensure it provides you with the right kind of coverage. The following individuals or businesses should speak to our agents about an umbrella liability policy:

• Pet Owners – As a pet owner, you're responsible for any potential injury caused by your dog. Your personal liability insurance will help cover the medical expenses from bites, scratches, or trips and falls.
• Landlords – Landlords are responsible for the safety of their tenants while they occupy their property. Liability insurance will provide costs associated with medical expenses and legal fees if a tenant or visitor is injured on your property
• Thrill Seekers – You're a good candidate for umbrella insurance if you partake in risky activities such as motorsports, water sports, skydiving, or recreational contact sports. Your umbrella policy will cover medical expenses for injuries that may not be covered under your primary insurance.
• Wealthy Individuals – Those with a high net worth living should carry an umbrella insurance policy to protect them and their families from costly lawsuits.

What Does My Umbrella Insurance Policy Cover?

As mentioned, umbrella insurance is an extra level of liability protection in place to help alleviate the costs associated with high liability claims. For example, if you're found at fault in an auto accident, and the combination of property damage claims and injury claims exceed what your primary policy covers, your umbrella insurance would pay for the claim amount exceeding your primary policy. Without it, you may be left paying for those claim amounts directly from your pocket. Umbrella insurance provides better protection for you, your family, and your assets. It's important to note that umbrella insurance only covers injuries and damages to others. Your umbrella policy covers the following:

• Bodily Injury
• Personal Injury
• Property Damage
• Landlord Liability