Umbrella



The right insurance from day one

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Multiple Quotes Through One Source

As a Trusted Choice® Independent Insurance Agent, we have access to multiple insurance companies and can provide you with affordable homeowner’s insurance customized for your specific needs. Getting homeowner’s insurance in Connecticut doesn’t have to be difficult, stressful, or costly. We do the shopping and comparing for you so you can spend time on other things.




Time spent in court can cost a lifetime’s work. As legal costs continue to soar, averaging around $250 per hour, the term “lawsuit” is even more frightening than ever.Sadly, legal action has become the norm today and more and more folks are being sued.  Regardless of whether the charges are justified, if you’re being sued, you’ll be faced with potentially huge legal bills and possibly some type of monetary settlement.

A catastrophic lawsuit that may include lost wages for the injured party or parties, medical bills, and pain and suffering could be financially devastating. Lost wages alone for people who are seriously injured and can’t work for an extended period of time can potentially cripple you if you exhaust the limits on your underlying liability coverage (homeowner’s, renter’s, condo, boat, motorcycle) and don’t have an umbrella policy. Would you want to jeopardize everything you’ve worked hard for? Certainly not. Umbrella insurance increases your protection, your financial security, and your peace of mind.


Myths About Umbrella Insurance:


I’m not wealthy. I don’t have much to lose. Why would I need an umbrella policy?

Many people believe that umbrella insurance is only for the wealthy due to the significant amount of liability coverage an umbrella policy provides (average is $1 million for liability lawsuits). The fact is, anyone can face a liability lawsuit, but not everyone has enough insurance to pay for one. If you become legally responsible for someone’s losses, injuries or death, there’s a chance you could be sued for an amount of money that would exceed what the standard insurance policy would cover. Umbrella insurance is relief from the worst things that could keep you awake at night.


Umbrella Insurance is too expensive.

The average cost of an umbrella policy is around $300 annually. That’s not even the cost of a cup of coffee per day which many of us include as part of our daily routines. For a small annual cost, you can have up to $1 million in liability protection, an amount of coverage that could be a life saver in the event of legal fees and settlements. More importantly, consider what it could cost you without an umbrella policy.


It won’t happen to me.

Unfortunately, even the most careful people can be sued due to occurrences that you may not have even considered. You can’t control who you or your family members might injure due to accidental occurrences.

Umbrella Insurance Myth










Contact your friendly
V.F. McNeil agent today!






Office

500 East Main St.
Suite 200
Branford, CT 06405


Hours

Monday-Thursday
8am-5pm
Friday: 8am-4:30pm



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203-481-2684
FAX 203-483-1891
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