Personal Umbrella

When it rains it pours
Protect yourself with umbrella coverage

Unfortunately, home accidents and auto collisions are common events in the Pacific Northwest. You may think you’re covered—until things go from bad to worse.

Protect yourself from life's uncertainties

You could be sued for liability beyond what your existing home or auto policies cover. If damages from an accident exceed your liability limits, you’re financially responsible for paying the rest. An umbrella policy can provide additional liability insurance—starting at a million dollars—and they’re surprisingly affordable.

Umbrella policies can help beyond just strengthening your liability coverage. They can also help if you’re sued as a result of an accident, such as for negligence, bodily injury, lost income, pain and suffering, and more. An umbrella policy will help cover legal fees, expenses, and any settlement.

Don’t take chances with your future. If a lawsuit could wipe out your savings, protect it with umbrella coverage.

FAQ

What does Personal Umbrella Insurance typically cover?

Personal Umbrella Insurance coverage can include protections that vary by carrier and policy form. Sea Mountain Insurance helps you compare options and select limits and endorsements that fit your situation.

How do I know what limits I need?

Limits depend on your assets, contractual requirements, and risk exposure. A short review of your current policies and goals is usually enough to recommend an appropriate starting point.

Can Sea Mountain Insurance compare multiple carriers?

Yes. As an independent agency, Sea Mountain Insurance can shop multiple top-rated carriers to help you balance coverage, pricing, and service.

How quickly can I get a quote?

Timing depends on the line of coverage and required documentation. Many personal lines can be quoted quickly, while specialty business or marine risks may require additional underwriting details.

What information should I have ready?

In general: current policy declarations (if available), loss history, key asset details (vehicles, property, equipment), and any contract or lender requirements.

Do I need additional endorsements?

Endorsements can fill common gaps (e.g., additional insureds, equipment coverage, higher liability limits). Your specialist can identify what is appropriate based on your needs.

 

Let Us Help

Proudly located in Lynnwood, WA, Sea Mountain Insurance is an independent insurance agency serving the Pacific Northwest. We have the freedom and flexibility to work with a variety of top-rated companies—so we can find the right coverage at the right price for your needs.

CONTACT A PERSONAL UMBRELLA INSURANCE SPECIALIST

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