J Stine Agency, A World Company

A personal umbrella insurance policy is a secondary form of insurance that supplements the protections afforded by primary, underlying policies.

Anyone who wants more protection than the limits of their underlying insurance policies allow for may be interested in personal umbrella insurance. This may include (but isn’t limited to): People who participate in high-risk activities (e.g. boating or riding motorcycles) and want additional protection in case they’re liable for an accident; Dog owners who want extra liability protection in case their dog bites another person; Landlords who need additional coverage from potential lawsuits filed by tenants; Wealthy individuals who fear they might be targeted by an opportunistic lawsuit; and Volunteers who take on additional responsibilities and may be held responsible for accidents.

Classic car insurance gives owners of classic vehicles a way to protect their vehicles and themselves. Classic car insurance policies are auto insurance policies that have been specifically designed for classic cars and trucks. They take into account that these vehicles are often worth a lot and are not often driven.