Umbrella insurance provides an essential layer of protection beyond your standard policies, such as home, auto, or renters insurance. It’s designed to cover claims that exceed the limits of your primary insurance or those that aren’t typically covered, offering added security for your assets and peace of mind. Whether it’s personal injury coverage, worldwide protection, or vacation rental liability, an umbrella policy ensures you're prepared for life’s unexpected events. For individuals facing potential financial risks from lawsuits or accidents, this extra level of liability coverage can be a game changer.
Jump to: What is Umbrella Insurance Coverage? | Is It Worth Having an Umbrella Policy in Utah? | How Much Does an Umbrella Insurance Policy Cost in Utah? | Why Get Insured with Keystone Insurance? | Contact Keystone Insurance Today to Learn More!
What is Umbrella Insurance Coverage?
Umbrella insurance is a great way to protect your assets that offers an additional coverage layer to your standard line of coverage policies. Umbrella insurance provides you with an extra level of protection. An umbrella policy may pay for claims that are not typically covered by other personal policies. Umbrella insurance may include:
- Personal Injury Coverage
- Worldwide Coverage
- Vacation Rental Liability Coverage
- Defense Coverage
Having a Utah umbrella policy can be invaluable to your overall insurance coverage. An umbrella policy offers extra liability protection that provides extra protection to your standard policies, such as home, auto, or renters insurance. If you are at risk of facing significant financial losses from lawsuits, accidents, or other unforeseen incidents, this added protection can be especially important.
Umbrella policies can help with covering legal fees, medical expenses, and damages that can arise from claims that aren’t typically covered by your standard policies, giving you better financial security.
Is It Worth Having an Umbrella Policy in Utah?
For individuals with higher risk of liability, such as business owners, landlords, or people with frequent events at their homes, having an umbrella policy can be a worthwhile decision. Without it, individuals could be left vulnerable to legal claims that go beyond your standard coverage policy limit, putting your savings, investments, or property at risk.
While primary insurances like auto or homeowners typical cover a wide range of liabilities, there will be limits to what it can pay out. If you’ve been involved in a serious accident or in a lawsuit, the costs of them can exceed your existing policy limitations, leaving you alone responsible for the remaining amount. An umbrella policy steps in to cover those excess costs, ensuring you’re not left vulnerable to significant financial losses.
How Much Does an Umbrella Insurance Policy Cost in Utah?
How much an umbrella insurance policy in Utah costs typically ranges from $175 to $300 annually for $1,000,000 in additional liability coverage. The higher end of the range applies if you have multiple vehicles and drivers. While the exact cost depends on your unique circumstances, umbrella policies are generally an affordable way to increase your liability protection. Having coverage for larger claims that standard policies may not handle offers peace of mind, making it a wise investment in securing your financial future.
Why Get Insured with Keystone Insurance?
When it comes to securing umbrella insurance, you're in the perfect place with Keystone Insurance. At Keystone Insurance Services, we represent a wide range of trusted providers, including top names like Bear River Mutual, Auto-Owners Insurance, Travelers, The Hartford, Progressive, Mutual of Enumclaw, United Insurance, and many more. This means we can quickly compare dozens of options to find the best rates and coverage for you—saving you time and money.
Our process is simple and hassle-free. Just fill out a few details, and we'll handle the rest by matching you with the most affordable and comprehensive umbrella insurance policy available. With offices in Provo and Payson, we serve communities throughout Utah, ensuring you always have a local broker nearby ready to help.
Contact Keystone Insurance Today to Learn More!
At Keystone Insurance, we make protecting your assets easier than ever. Let's get started today and find the right umbrella insurance coverage near you for your needs! Our agents are ready to assist you in finding the perfect umbrella insurance coverage to suit your needs. Not sure where to start? Contact our offices in Payson or Provo, UT for more details about umbrella insurance, or fill out the form below for a free, no-obligation quote.