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Protect your financial future with umbrella insurance if coverage costs exceed your limits during a claim.
Additional coverage for an extra layer of protection.
An umbrella insurance policy offers peace of mind when the unexpected happens. While your auto or homeowners insurance covers many risks, they both come with liability limits. If a serious accident or lawsuit exceeds those limits, you could be left responsible for the rest. That’s where umbrella insurance comes in—it adds an extra layer of protection. At Eric Luebbe Insurance, we help families and individuals in Elkhorn secure umbrella insurance policies that support their long-term financial security and peace of mind.
Focuses primarily on liability claims.
Umbrella insurance is designed specifically for liability situations—incidents where you’re held legally responsible for causing injury or damage to another person or their property. This policy doesn’t cover damage to your own home or car, but it does help you avoid devastating out-of-pocket costs when someone else is impacted by your actions.
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Property Damage Liability
Risk Factor
You can be held responsible if you significantly damage another vehicle and/or property. Do you have enough coverage to protect yourself from the risk?
Solution
Your standard auto policy limit could easily be exhausted if you are found to be at fault. An umbrella or excess liability policy provides an extra layer of protection once your standard liability limits are exhausted. It’s a cost-effective way to ensure the peace of mind you deserve.
Bodily Injury Liability
Risk Factor
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into a pedestrian, bicycle, or another vehicle. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
An umbrella or excess liability policy helps extend your coverage to better protect you against these significant costs. It’s the ideal coverage to provide peace of mind, even when the unthinkable happens.
Lawsuits
Risk Factor
You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?
Solution
An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies - providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.
Watercraft Liability
Risk Factor
Accidents can happen to anyone at any time, even those who have been out on the water for years. Personal watercraft insurance is a necessity, but sometimes the limit these policies provide isn't enough.
Solution
Your standard watercraft policy limit could easily be exhausted if you are found to be at fault for property damage or personal injury. An umbrella or excess liability policy can extend those limits, providing you an additional layer of financial protection.
Pays out when liability coverage limits are not enough.
If your home or auto insurance policy covers liability up to a certain amount and a claim exceeds that amount, an umbrella insurance policy in Elkhorn can be used to pay the difference, up to your umbrella policy limit. This ensures you aren’t left financially exposed in a lawsuit or serious accident.
How does umbrella insurance work?
Imagine you cause a car accident, and the other driver’s medical expenses total $750,000. If your auto policy covers only $500,000 in liability, you would owe the remaining $250,000. With umbrella insurance, your provider steps in after your auto policy maxes out, covering the rest.
How can you increase your personal liability limits?
Umbrella insurance is one of the most effective ways to boost your home and car liability coverage in Elkhorn beyond what’s available through your home or auto policies. It’s an affordable solution to high-dollar liability risks.
Who does an umbrella insurance policy cover?
These policies often cover you, your spouse, and members of your household. When reviewing your options with Eric Luebbe Insurance, we’ll help you confirm who is included in your specific umbrella insurance policy in Elkhorn.
Get the coverage you need.
Umbrella insurance offers significant car and home liability coverage for Elkhorn residents at a surprisingly low cost. Ready to protect your assets and your family’s future? Contact Eric Luebbe Insurance today for a customized quote!
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Elkhorn Umbrella Insurance Quote Request
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