Umbrella insurance is a type of insurance that many people don’t understand. The name itself is confusing. It certainly is not insurance for your umbrella. But what exactly is it and who should have it remains elusive. At RH Worthington Group in Milford, PA, we are independent insurance agents who work for our customers, and we will provide the information and service you require when making insurance decisions. 

What is umbrella insurance?

Umbrella insurance is excess liability coverage. It helps to give you more liability protection than the basic policy that you have. Think of insurance as an umbrella, and your assets are you. The umbrella protects you from the rain, and an umbrella policy protects your assets from legal action against them, whether you are rich or have normal assets. 

How does it work?

When legal action is taken against you, the policy that you have with liability coverage will cover up to the policy’s limit. This can be a home, auto, condo, motorcycle, boat, or other policy with liability cover. It is excess coverage, so you must have a policy with liability for it to add additional coverage. It kicks in when you reach your primary policy limit. 

Who can benefit from it?

Umbrella insurance is not only for the rich. It is beneficial to anyone who has assets of any sort. You work hard for all the things that you own and the money that you have saved. If you don’t have enough coverage to protect yourself, getting sued could ruin your life. Umbrella insurance provides the extra help you need. 

Get in touch

Contact the team at RH Worthington Group in Milford, PA, if you have questions about umbrella insurance. Give our office a call to make an appointment today. 

Umbrella insurance is a type of liability insurance that provides an extra layer of protection beyond the coverage limits of your existing home, auto, or other primary insurance policies. It is basically a safety net of sorts that offers extended coverage to the policies you already have in place. Our agents at the RH Worthington Group serving the Milford, PA area alright explaining the importance of having this extra layer of protection along with your other insurance policies.

What Does Umbrella Insurance Cover?

For one thing, umbrella insurance can help you out when it comes to personal liability. This means if you’re found to be responsible for causing an injury to someone or damaging their property, umbrella insurance can help you cover not only their medical bills when they exceed your original policy but also legal fees and even legal settlements if necessary.

Umbrella insurance added to your auto liability policy can come in handy if you are at fault in a very serious auto accident. Your umbrella insurance can cover medical expenses, property damage, and legal fees that exceed what is already included in your auto liability insurance policy.

If you add umbrella insurance to your home liability policy, it will come in handy if someone is injured while they are on your property, For example, if your dog bites someone and their medical expenses exceed your homeowners or renters insurance limits, your umbrella insurance will pick up the rest.

An umbrella policy can even cover if you are possibly arrested or detained for some reason as well as if you are sued for slander or libel.

Consult With Us

To add an umbrella insurance policy to your existing policies, call upon our experienced and knowledgeable agents at the RH Worthington Group serving the Milford, PA area today!

Life’s unexpected mishaps can have serious financial consequences that can leave you and your family feeling like you’ve been left out in the rain when you aren’t prepared. The best way to help your family prepare to weather life’s storms is to have the right insurance to absorb the costs of unexpected financial burdens that can cause undue stress on you and your close family members. 

The insurance professionals at RH Worthington Group in Milford, PA can help you choose the best umbrella insurance to extend the coverage of existing life, auto, and home insurance policies. 

How Umbrella Insurance Protects You and Your Loved Ones 

Umbrella insurance acts like a cushion that helps shield you from legal liability claims and lawsuits that can arise when the limits of home insurance or auto insurance policies have been exceeded. 

Extended insurance coverage provides peace of mind when umbrella insurance policies kick in, where other insurance policies end and cover overages left outstanding from lack of coverage on other policies. 

Examples of extended coverages offered by Pennsylvania umbrella insurance policies:

• Auto Accident Liability
• Personal Injury Liability 
• Defamation Claims
• Lawsuits

How to Start an Umbrella Insurance Policy in Pennsylvania

A licensed insurance agent at RH Worthington Group can answer your questions about umbrella insurance. We can explain how much coverage you are eligible for and help you get started. 

Add an Extra Layer of Financial Protection to Your Existing Insurance Policies

When you’re ready to add an extra layer of protection to your existing policies, talk to the experts at RH Worthington Group in Milford, PA can provide you with advice and a free quote for an umbrella insurance policy. We are happy to help.

Whether you’re a long-time motorcycle rider in the Milford, PA area, or are just beginning to hit the open road, you know that having the right insurance coverage is essential. But should you also consider adding an umbrella policy to your existing coverage?

What is an Umbrella Policy? 

An umbrella policy provides additional liability coverage above and beyond what is already included in your motorcycle insurance policy. It protects you from claims related to bodily injury, property damage, or personal injury caused by yourself or members of your household. It can also cover any legal fees associated with defending such a claim. 

When Should You Invest in an Umbrella Policy? 

It makes sense to invest in an umbrella policy if you have assets to protect, such as a home or investments. This type of coverage can help safeguard those assets if you’re found liable for damages exceeding your existing policy’s limits. It can also protect you if you’re sued for libel or slander, which could be especially important if you own a business related to motorcycles.                    

If You’re Not Sure What Coverage You Need… 

The best way to determine whether or not an umbrella policy is right for you is to speak with an experienced insurance agent at RH Worthington Group, who can assess your needs and determine the best course of action for protecting yourself and your loved ones. Our agents understand the needs of motorcycle riders in Milford, PA and can provide personalized advice and guidance on how much coverage may be necessary for your particular situation. 

Give Us A Call

If you’re considering adding an umbrella policy to your existing motorcycle insurance coverage, contact RH Worthington Group today for more information about how we can help protect you from potential liabilities associated with owning a bike!

Do you live in the Milford, PA area? Are you concerned about protecting all you have worked hard to accumulate? Let our team of insurance experts at RH Worthington Group explain the benefits of an umbrella insurance policy.

What is umbrella insurance?

It is liability coverage that offers extra financial protection in the event that an unforeseen event happens that you are responsible for that injures someone or damages their property.

If you have significant wealth or assets, it is worth it to purchase an umbrella policy. The liability limits that are on your homeowners and auto policies probably will not be adequate in the event you are sued for a dog bite, accidental injury to someone else, or a car accident in which you are at fault.

An umbrella policy will provide the additional liability coverage you need to help cover the cost of injury to someone else and any damage to their property. It will not cover damage to your car, home, or possessions. It is strictly extra liability protection beyond the limits of what your car or home insurance provides.

In addition to providing coverage for injuries to others, it covers property damage and helps with payment if you are being sued.

Anyone with assets of up to $5 million or more needs the protection umbrella insurance provides. Don’t put everything you have worked hard for at risk. Protect the things that matter most in your life. That extra layer of protection can make the difference between financial survival and financial destruction.

Begin living with a feeling of financial security today

Contact us at RH Worthington Group in Milford, PA for a no-obligation quote or answers to any questions you may have. We will be happy to help. 

Most people know they need insurance to protect their homes, cars, and health. But too few realize the importance of umbrella insurance. Umbrella insurance provides an extra layer of protection against major liability claims and lawsuits, which can easily drain your savings and assets. If you’re considering buying umbrella insurance, RH Worthington Group in Milford, PA offers this guide on five mistakes to avoid.

Umbrella Insurance: What You Need To Know

1. Not Understanding What Umbrella Insurance Covers

Umbrella insurance is designed to protect against major liability claims and lawsuits. It typically covers expenses related to bodily injury, property damage, and certain personal liability situations. But umbrella insurance doesn’t cover everything – be sure to read the fine print to know what’s included and what’s not.

2. Buying the Wrong Amount of Coverage

Many people underestimate the amount of umbrella insurance they need. A good rule of thumb is to buy coverage that’s equal to at least 1-2 times your net worth. This will ensure you have adequate protection in case of a major liability claim or lawsuit.

3. Not Reading the Fine Print

When buying umbrella insurance, it’s important to read the policy carefully to know what’s covered and what’s not. Otherwise, you could be left with unexpected out-of-pocket expenses if you have to make a claim.

4. Lying or Omitting Important Information

When applying for umbrella insurance, it’s important, to be honest about your assets and income. If you lie or omit important information, your policy could be void if you have to make a claim.

5. Going With the First Policy You Find

It’s important to shop around and compare policies before buying umbrella insurance. Not all policies are created equal, so be sure to find one that meets your needs and budget.

Get Umbrella Insurance in Milford, PA

Umbrella insurance is vital for financial protection, but only if you avoid these five mistakes. RH Worthington Group can help you find the right umbrella insurance policy for your needs. Contact us today for a free quote.

The litigious society we thrive in today requires a formidable contingency plan because an exorbitant lawsuit could wipe out your financial assets, relegating you to bankruptcy. Have you ever imagined what could transpire if an unforeseen event strikes in Milford PA and you have exhausted the coverage confines of other present policies? Umbrella insurance is a supplementary policy that safeguards the underlying limit of your other insurance coverages like auto and home insurance, get depleted. Umbrella insurance can guard you against property damage, injuries, and certain exorbitant lawsuits. Connect with us at RH Worthington Group, serving the regions of Milford, PA and the surrounding community. Our charismatic agents will help you understand the various umbrella insurance options available and select the one that suits your needs and budget. Keep reading to ascertain why an umbrella is a worthwhile asset.

As a Milford, PA resident, it is a wise decision to procure salient umbrella insurance because it harbors versatile benefits, including:

Protection of assets

As much as we try to avert accidents, they are bound to transpire. If you propagate a massive auto accident involving chief property damage or triggering extensive injuries to third parties, your hard-earned assets may be in jeopardy. The cost of property damage and physical injuries to other people or prevailing lawsuits may supersede the limits of your auto insurance. Luckily, umbrella insurance from RH Worthington Group comes in and salvages these scenarios, safeguarding your assets and averting financial crisis.

Liability protection

Buying bodily liability and property damage coverage helps you settle for costs emanating from physical injuries and property damage you may propagate to third parties, and you are legally responsible. For example, if your pet inflicts bites on others or a guest slips and falls while visiting you, this coverage pays for them. Additionally, it safeguards you if you are engaged in a severe accident and pays for medical bills or liability claims.

Provides flexible coverage options

Unlike other policies, umbrella insurance permits you to scale down your needs depending on your primary insurance options. If your underlying policy doesn’t cater to instances like slander, libel, and false arrests, prolific umbrella insurance will take care of them. Therefore, it allows you to bundle extra liability coverage under one policy, not for the policyholder alone, but also for your family members. 

Your insurance should cushion you in all dimensions of your life without leaving any gaps that could expose you when an unexpected eventuality occurs. Please don’t hesitate to contact us at RH Worthington Group to get detailed information about umbrella insurance.

One of your top priorities should be protecting your family and assets. However, even with your existing policy, getting additional coverage for extra protection is good. That is what we call umbrella insurance. If you reside in Milford, PA, and are not sure about getting an umbrella policy, RH Worthington Group takes you through how umbrella insurance works.

How It Works

An Umbrella insurance policy protects you and your assets in two ways.

• Provides coverage when the limits of auto, homeowners, and boat insurance have been exhausted
• Provides coverage for specific claims excluded in other liability policies like slander, false arrest, and libel. 

What it Covers

Umbrella insurance protects what your other insurance policies do not cover. Generally, it provides liability coverage for property damage, injuries, some lawsuits, and personal liabilities. You probably think your homeowners and auto insurance has you covered in some of these scenarios. And while that is true, umbrella insurance goes beyond the limits. Examples of Umbrella policy coverage include;

• Bodily Injury Liability- Helps cover expenses arising from bodily harm to another person. For example, consider an instance where your guest’s child gets hurt in your yard, or your dog causes damage to your neighbor. All medical expenses and any liability claims arising from those injuries are covered under umbrella insurance.
• Property Damage Liability- Helps cover the cost of damage to another person’s property. For instance, it could damage someone’s home due to a car accident where you were at fault.
• Owner Rental Units- provides cover against any liability you might face when you are a landlord.

Umbrella insurance also provides coverage when sued for malicious prosecution, slander, libel, and mental anguish.

What Is Not Covered

There are certain situations not covered in an umbrella policy, including;

• Your own injuries and damage to your personal items
• Intentional criminal acts that cause damage to another person
• A Liability associated with a contract you entered.

It is good to understand how an umbrella policy gives that extra protection you need. Residents of Milford, PA, looking for more information on the umbrella policy can contact RH Worthington Group Insurance and get assistance.

When it comes to umbrella insurance, it is not well understood. It causes a lot of confusion, and if you are not quite sure exactly what it is and why you would want to have it, you are not alone. Many people believe umbrella insurance is only for the very wealthy, and nothing could be farther from the truth. At RH Worthington Group in Milford, PA, we are an independent agency, and we strive to provide our customers with great service and lots of choices. 

Umbrella insurance is liability insurance. It is excess coverage above, and beyond the coverage you already have on another insurance policy. Many common insurance policies offer liability protection, including home, auto, and commercial insurance. What this means is umbrella insurance is something that can benefit individuals as well as businesses. Other types of insurance such as renters, condo, and boat insurance also have liability coverage. 

Think of umbrella insurance as a real umbrella. When it starts to rain, it provides protection. If you represent your assets and your umbrella represents the umbrella policy, you can visualize the type of protection this policy provides. 

When someone sues you, no matter the reason for the action, you are always in danger of losing. Even if you don’t lose, the legal fees attached to the court case can be quite staggering. An umbrella policy adds an additional layer of liability protection that will affect when your primary policy has reached its maximum. A typical umbrella policy offers somewhere between one and five million dollars in additional security. Given the financial amounts judgments can rise to, this is the level of coverage you need to protect yourself from losing your hard-earned assets. 

Contact RH Worthington Group in Milford, PA for all your insurance needs.

One of the most important things a Pennsylvania consumer can do to protect their assets is to purchase umbrella insurance. At RH Worthington Group, we offer umbrella insurance to consumers in Milford, PA.

 The following are three advantages you can enjoy by purchasing umbrella insurance coverage in Pennsylvania.

Anyone can get sued

It’s important to realize that anyone can face a lawsuit. This is especially true for those who own a vehicle or property.

You shouldn’t assume that you can’t be sued. For many consumers, a lawsuit comes as a surprise. 

If you have assets to protect, you may become a target for lawsuits. Having umbrella insurance coverage gives you peace of mind and provides you with protection if you ever have a lawsuit filed.

Umbrella insurance provides value.

The amount of financial protection that umbrella coverage provides is enormous. At the same time, premium costs are generally reasonable.

This means that umbrella insurance coverage provides you with a lot of value. You’ll get unlimited coverage for your liability risks without having to spend a lot of money every month on expensive premiums. 

Costs for a legal defense in a lawsuit can be high.

If if you win a lawsuit against you, the event will cost you a lot. That’s because legal representation can be costly.

Your umbrella insurance will cover the costs of legal representation if you get sued. This is one of the biggest benefits of having it. 

If you’d like to learn more about umbrella insurance, we can assist you at RH Worthington Group. Get in touch with us to explore your umbrella insurance options in Milford, PA.