Travel & Umbrella Insurance

What is Travel Insurance?

Travel insurance is a plan you purchase that protects you from certain financial risks and losses while traveling. These losses can be minor, like a delayed suitcase, or significant, like a last-minute trip cancellation or a medical emergency. 

How does Travel Insurance work?

In most scenarios, travel insurance reimburses you for your covered financial losses after you file a claim and the claim is approved. Travel insurance is designed to cover unexpected events – not something you could easily see coming, or something within your control.

Why do I need Umbrella Insurance if I already have liability insurance?

The coverage you receive with your standard personal liability insurance has limits. Suppose you’re found legally responsible for injuring someone or damaging his or her property. In that case, you’ll wind up paying out of pocket for anything beyond the dollar limit of your homeowners, auto or watercraft policies. That’s where umbrella insurance comes in. While factors such as traffic tickets or your credit score can impact the cost of your umbrella insurance, that price is low compared to the benefit.

How do I determine how much umbrella coverage I need?

Some people need more coverage than others. Do you have a swimming pool? Is there a teenage driver living with you? Do you run a business out of your home and have employees or clients at your residence regularly? Each of these factors is taken into account during a risk assessment that will help determine the additional coverage you need.