Several Long Island Insurance Company offer all sorts of insurances. One in particular is umbrella insurance. Its not the most familiar insurance but its just as important as the rest for certain people and situations.

Umbrella insurance is in a sense the jack of all trades. It can cover some lawsuits, injuries, and certain liability situations. Umbrella insurance is there to helps when its need the most. It covers the extra liability protection that’s needed beyond the insurance and coverages you may already have in place. The main purpose of an umbrella insurance can be when a homeowner, boat or auto owners insurance policies have been maxed out. This type of insurance is ment to give you that extra help you may need if anything was to happen.

You may ask, is umbrella insurance really worth it? Yes this particular type of insurance is very beneficial if you have certain assets. Umbrella insurance may not cover a dent on your car but it can cover if you get sued because your new dog accidentally bites a neighbor. Depending on your assets, umbrella insurance starts at between $150 to $300 a year with a $1million dollar policy. If you believe you need more coverage than that, some companies will charge up to an extra $100 for every million after the initial starter package. Please consult with a Long Island Insurance Company to verify this and receive a quote.