Protect your assets with Alpha Insurance Agency, Inc.

Umbrella insurance is kind of like having a backup plan for those “just in case” moments life throws your way—think of it as extra coverage for those wild, unexpected accidents. It’s not about your own stuff or hospital bills, but it jumps in when your regular insurance hits its limit. Here’s what it usually helps with:

• Accidents you cause while driving
• When someone gets hurt at your place
• When you accidentally damage someone’s property
• Your pet gets a little too playful and causes trouble
• Your kids or dependents get into a scrape
• Legal bills and lawyer fees

Your current insurance does a good job, but umbrella insurance takes it further—sometimes for less money than bumping up your regular limits. Plus, it follows you around, wherever you go.

Every company’s policy is a bit different, so the best way to see what fits you is to chat with an agent. They’ll walk you through all the options—easy as that.

Nope! If you have a job and want to protect your hard-earned paycheck, umbrella coverage might be perfect for you.

Picture this: A delivery person slips on your front walk, gets hurt, and decides to sue. Your homeowners policy covers some of it, but what if the judge says you owe way more, like $500,000 extra? Without umbrella insurance, that money could start coming out of your paychecks, week after week. With it, you’re covered for the big stuff—and for the legal help you’ll need.

Actually, umbrella insurance is pretty affordable, especially for the peace of mind you get. Most people never make a claim, so it ends up being a small price for a lot of protection. The cost depends on:

• How much coverage you want
• The insurance company’s rules
• Your risk level and driving history

You can even save more by bundling it with your home or auto insurance. Give us a shout and we’ll help you find the best deal!

You’ve worked hard to build the life you want and keep your loved ones comfy. You’ve already locked in solid insurance. Now, umbrella insurance adds another layer of protection, just in case things go sideways.

Let’s say your auto or home liability policy maxes out at $300,000 or $500,000. Sounds good, right? But what if someone sues for even more? It happens—especially if you’ve got some nice things.

If the bill is bigger than your policy, how do you pay? How do you cover legal fees? Without umbrella insurance, you could end up losing more than just your savings—you might even lose a chunk of your future earnings. Most folks don’t know that, but umbrella insurance is here to help you keep what you’ve worked so hard to build.