Take cover under our umbrella.

Put our experience and expertise to work for you.

Protect Your Personal Assets with Extra Coverage

You’re all set – you have Liability insurance under your Auto and Homeowners insurance to protect you and your family in the event of an accident or injury. The amount of coverage you believe is high enough to address any losses. But this is not necessarily the case in the event of a catastrophic loss or accident.

What happens if there is a vehicular accident where the other driver is seriously injured? Or someone slips and falls in your backyard and is permanently incapacitated? These catastrophic losses come with lawsuits and huge settlements and awards. Your primary Liability policies, like Auto, Home, and Boat insurance, are not set up to respond to million-dollar and multi-million-dollar awards. That’s what a Personal Umbrella policy is for.

Open Up Our Umbrella Policy for More Protection

At the Regan Agency, we recommend clients extend their Liability limits on their primary policies with Umbrella insurance in order to properly safeguard their assets. Here’s how it works: Let’s say you have $300,000 of Liability of coverage on your Auto insurance. You are in a car accident and the other driver is fatally injured. You are found to be at fault, and a lawsuit is settled for $1 million. Your Auto policy would pay $300,000 of this settlement, with you having to pay the rest out of pocket. A $1 million Umbrella policy would extend your total Liability coverage to $1.3 million, and kick in after your Auto limits were exhausted.

How much extra coverage you should purchase with an Umbrella policy depends on your net worth. Coverage is available in million-dollar increments and you get excellent value for the cost. If you have significant assets, we can provide you with a high-limit Umbrella policy.

We’re Ready to Serve Your Insurance Protection Needs 

We invite you to learn more about the Regan Agency and to give us an opportunity to show you how we can take care of your business and personal insurance needs. Just give one of our professionals a call at 631-669-3434.