Umbrella Insurance

Life is very unpredictable. You may feel prepared for whatever comes because you already have auto insurance and a homeowner’s insurance policy. Perhaps you even have a boat insurance policy, and if you happen to be renting your home, you may have renter’s insurance. Indeed, that should be enough to protect you and your assets.
In most cases, it will be enough, and the staff at Messer Insurance Group in Florida will agree with you. Yet, getting an umbrella policy may be the best low-cost way to extend the liability coverage of your existing policies.

Imagine an incident where you or a covered family member causes property damage or physical injury to another individual. For instance, if you’re involved in a car accident that harms another driver or passenger, your auto liability insurance will cover the liability portion of the claim. But what happens if the liability limit on your standard policy is $50 000, and the total damages claim comes to $100 000? Where will you find an additional $50 000 to cover the liability claim against you? That’s when the umbrella policy will kick in and cover the excess amount.

Umbrella insurance offers you a financial lifeline if the settlement amount exceeds the limits of your primary insurance policies. Messer Insurance Group policies comply with Florida insurance laws and allow umbrella policy coverage to “follow form.” It means that the umbrella policy covers the same items that your primary policy does and pays out when there is excess liability amount to cover.

Another benefit of an umbrella policy is covering events not covered in standard insurance policies, like false arrest, libel, or slander.

If there is anything else you want to know about umbrella policies or want to get a quote, visit or call our office at Messer Insurance Group in Florida. We will answer your questions and help you choose a policy that suits your needs and covers all that life can throw at you.