Anyone who owns a home and/or a car is advised to purchase a personal umbrella or excess liability policy to protect in case of a lawsuit or in cases where the underlying coverage limits from your other policies (such as homeowners, auto, boat, or recreational vehicle) are exceeded. Personal umbrella policies provide broad coverage and typically include protections against certain losses that aren’t covered under these other policies–in other words, they act as extensions to your home and auto insurance policies.
An umbrella policy in Brooklyn, Manhattan, or elsewhere in New York City will protect you in the event you are involved in a significant lawsuit, where you would otherwise be personally responsible for paying any portion of the settlement not covered by your insurance company.
Finding the right umbrella insurance in New York can be challenging, as it can be difficult to know what kind of policy you need and how much to pay for coverage. At Apex Brokerage, we will work with you to get to know your needs and shop around different policies to find you the best deal for exactly the right policy for you.