Umbrella Insurance
Umbrella insurance is just like it sounds: umbrella coverage providing liability protection above your other standard insurance policies. When you purchase a policy for a type of insurance, such as auto insurance, that policy has a limit. Should the total damages or a lawsuit resulting from those damages exceed the limits of your policy, the umbrella policy is in place to protect your finances. Additionally, it can cover injuries and damages that your regular policies don’t cover.
Your family and your assets deserve the best protection available.
Call us today at (800) 281-9761.
There are numerous types of people who should consider adding umbrella insurance to their portfolios:
- Current students or recent graduates of law school or medical school
- Individuals who are high net worth or who have numerous assets
- Parents of teenagers who drive

What does umbrella insurance cover?
Umbrella insurance covers serious bodily injury, extensive property damage, and legal fees.
Serious Bodily Injury: Serious injuries resulting from accidents can lead to medical bills that are above the limits of your regular insurance policy. If someone is working on a ladder at your home and falls off, an umbrella policy can cover any medical bills that exceed the limits of your homeowners policy. Likewise, should you injure someone in a car accident and their bills go over your car insurance limits, your umbrella coverage will be there to cover the rest.
Extensive Property Damage: Damage caused by a car, boat, or plane will always have the potential to cause serious damage. Aside from vehicle accidents, umbrella insurance can protect you from other types of extensive property damage.
Legal Fees: While your specific types of insurance may be able to cover the costs of damages or injuries, the limits are often breached by costs that come with lawsuits. Accidents that cause property damage or injuries are often met with legal action. Having an umbrella policy in place can help you afford an attorney and protect your assets.
The Sanford Insurance team will assess your situation and portfolio and help you decide if you would benefit from having umbrella insurance. If you would like to have umbrella insurance, we’ll help you find the right type of coverage at a cost that you can afford.

