Umbrella Insurance

Save yourself from significant financial loss with Umbrella Insurance from HVCU Insurance Services, powered by InsureOne®

Umbrella Insurance for the Unpredictable

Like onions, insurance policies have layers. Umbrella insurance protects you from having to dip into your wallet if your policies don’t fully cover you for an accident or lawsuit. A licensed agent can walk you through ways to cover your assets at an affordable rate.

What Is Umbrella Insurance?

It’s an extra layer of protection. You wouldn’t want to be caught in the rain without an umbrella—the same theory holds true when it comes to insurance. Home and auto policies typically only cover up to $500,000 in damages. If you’re found to be liable for more than your policies cover in a legal settlement, your assets, savings, and more could be at risk. 

A licensed agent can help you determine how much coverage you may need to cover your assets in the event of legal action and large judgments. If you own a vehicle or home, you may want additional safeguards to shield you from shelling out thousands, if not millions, of your hard earned savings. 

Avoid Paying Out of Pocket with Umbrella Insurance

What Does Umbrella Insurance Cover?

Umbrella insurance extends your liability past the limits on your home or auto policy. It can include coverage for the following:

  • Injury to someone other than yourself
  • Destruction of someone else’s property
  • Defamation, slander, or libel cases
  • False arrest
  • Legal fees and court costs

Umbrella Insurance Isn’t Just for the Wealthy

Lawsuits can happen to anyone. Someone could slip and fall in your driveway. A bad accident could cause more damage than you realized. You could unintentionally defame someone when you post your new vlog. Life is unpredictable—umbrella insurance protects you from having to face significant financial loss.

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Important Legal Disclosures & Information

Insurance products offered through InsureOne Insurance Services America, LLC and its affiliated companies identified on Insurance products: 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by the Credit Union or any affiliated entities; 3) involve investment risk, including possible loss of value. Insurance products not available in all states. Actual policy premium may vary based on driving records, garaging address, vehicle type, insurance coverage selected, and other underwriting factors. Other rates, service fees, restrictions, and charges may apply.