Umbrella Insurance

Umbrella Insurance In Idaho

Umbrella insurance is sort of like the name implies, something that is there to protect you from the storms of life. The Montoya Insurance Group is here to help people in Idaho get this type of coverage when they have the need. We can help you find the policy that best fits your situation. Umbrella insurance is an extension of liability coverage that goes beyond the limits of standard coverage. It also covers types of liability that may not be covered by regular policies.

If you were to get into a major automobile accident in Idaho, for instance, you could be liable for massive damages. If you are liable for $500,000 in damages, and your policy limit is $300,000, you will be on the hook for the extra $200,000. That is where an umbrella policy would protect you.

The policy would cover you if someone gets hurt on your property, or if your dog bites someone, and you get sued for pain and suffering. It could also cover you if you are sued for slander, or for something you are held liable for in volunteer work.

The primary thing umbrella coverage accomplishes is protecting your assets from significant catastrophes. This could be particularly useful if you are near retirement age or beyond, and have a sizeable retirement built up that you plan to live on. It can also be useful for celebrities or other people with a lot of wealth, regardless of age.

The main thing these policies do is give you peace of mind. With this type of policy, you don't have to worry about being wiped out financially by an accident where you are held liable.

Give Montoya Insurance Group a call today to discuss your insurance needs in Idaho. We can help you find the policy that is right for you. Our agents are ready to help answer your questions and get you a quote. Contact us right away!