IN Brentwood-Baldwin-Whitehall Spring 2016 | Page 49

REACHING YOUR

Umbrella Policy

Still feeling unprotected in some way? An umbrella insurance policy
could be exactly what you are looking for to feel comfortably covered.
Umbrella insurance provides extra liability coverage to protect against
major claims and lawsuits. This additional coverage kicks in once your
other policy coverage is exhausted. In addition, coverage for claims such as false arrest,
libel, and slander or for rental units is included in this type of policy. Umbrella insurance
goes above and beyond in providing coverage for injuries, damage to property, and certain
lawsuits. Policies are typically available in million-dollar increments, giving you an idea of
whether you’d fit into the category of individuals who would benefit from having this type
of coverage. Individuals often decline umbrella policies because they don’t feel that they
need that level of insurance, but keep in mind how costs can add up with any accident,
including lawyer fees, medical bills, and damages, among other costs.

Benefits of a Local Agent vs. Online
Quotes

You are probably ready to do some research into
policies with all this talk about insurance. You have two
options: finding a local agent or getting quotes online.
Shopping online can allow for quick and convenient access to rates through a variety of
different insurance providers, but the waters are murky when figuring out which plans are
right for you and your family. Local agents are, first-off, local. They are familiar with the
community and what policies would be best for your locale. Want to make sure you are
getting the best deal? There are also independent agents who can shop around for you to
find more competitive rates. Having a personal agent with you throughout life’s milestones,
such as having children, going through retirement, or even purchasing your first policies,
could be beneficial. This allows your agent to get to know you and your lifestyle habits,
allowing for a better assessment of needs when it comes to insurance policies. n

TARGETED
CUSTOMERS HAS

NEVER BEEN
EASIER.

The facts
speak for
themselves!
Direct Mail remains
the single most cost effective method
of advertising for reaching customers
within your community.

Contact us at 724.942.0940

Brentwood-Baldwin-Whitehall | Spring 2016 | icmags.com 47