Umbrella Insurance in Wisconsin

Life is unpredictable. In one moment, a mishap and the lawsuit that may follow have the potential to create legal and financial havoc and put your family at risk. However, a nifty insurance option – umbrella insurance - offers additional and affordable insurance protection – over and above the limits established by current policies. At Senz Insurance Agency Inc., serving the greater Beloit, WI area, our insurance professionals can help determine if umbrella insurance coverage is suitable for protecting your Wisconsin home, belongings, and family members.

What is an Umbrella Insurance Policy?

An umbrella policy refers to add-on insurance coverage that has been designed to –

• Provide liability coverage beyond the limits of an existing policy or two.
• Provide liability coverage that an existing policy may not cover. For example, it may offer insurance coverage for a boat rental, etc.

Understanding Umbrella Insurance

Umbrella policy coverage ranges from $1 to $5 million or more, but one policy usually covers all family members residing in the property. The coverage you need depends on the value of the assets you seek to protect.

• Your home or auto insurance policy is always the first line of insurance defense. Umbrella coverage kicks in when the damages exceed policy limits – and the purchased insurance coverage covers the incident in question.
• Umbrella insurance covers these potential liability risks-
  1. Bodily Injury
  2. Property Damage
  3. Personal Injury, etc.

If you’re at fault for a serious accident, you’ll need the coverage offered by umbrella insurance.

Call a Leading Wisconsin Insurance Company

For additional information regarding an umbrella insurance policy, contact the insurance specialists at Senz Insurance Agency Inc. They can assess your Wisconsin insurance needs and determine how umbrella coverage, if any, would enhance the protection for you, your family, your home, and other assets.