Umbrella Insurance

Insuranceology Provides Personal Umbrella Insurance

A Personal Umbrella Insurance policy protects you in a claim when your auto or other personal policy liability limits are exhausted, and you are faced with a lawsuit and potentially millions of dollars in liability exposure.

A million dollars can add up easily, particularly if the injured person suffers injuries that keep him or her from working for weeks, months, or years. The victim of an accident could sue you for medical bills, lost income, even pain and suffering, not to mention damage to their vehicle, and cost for an attorney.  Depending on the extent of the damage and injury, after your personal policy liability limits are exhausted, you are responsible for paying the rest, if you are at fault in an accident, and that could mean financial disaster.

Insuranceology can provide the Personal Umbrella Insurance to Protect You and Your Family.

We can provide $1 million or more of Personal Umbrella Insurance protection on top of your personal policy liability coverages–and it is not that expensive.  You can usually buy a personal umbrella insurance policy with $1 million limits for $150 to $300 a year. If you need more than $1 million limits, you can buy each extra $1 million of coverage for $100 to $150.


Insuranceology  is a full service Independent Insurance Agency that represents many top-rated companies.  We assess risks and shop companies to find the best coverage for the price.  Our clients get the best value for the insurance they need.

Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote.  Let us do the research and find the best personal umbrella insurance value for you.


 Personal Insurance Coverage for Different Needs

On the right sidebar of this page, you will find links to a number of personal insurance resources.  Click on any of the different personal insurance coverage categories to learn more about specific insurance issues and coverages.   Please call one of our insurance agents at Insuranceology for any assistance.

 


 

 Why Choose INSURANCEOLOGY?  

It’s all about what we “Give” you and what you can count on and “Take” to the bank.

“Give”

We “give” you all the personalized attention you deserve. We want to understand what “your world” looks like so we can create a tailor-made plan that protects the things you value most and at a price that fits your budget.

We “give” you access to top-rated insurance carriers in Virginia. Carriers that are rock solid and have been around for over 165 years and can assure you of peace of mind when you need it most. Companies with total access to the things you need when you need them; direct claims access, direct customer support, payment options, websites and apps for people on the go, and the ability to handle and pay claims quickly.

We “give” world class customer service to our clients. With over thirty years of customer service experience and training from some of the largest corporate names in the world, providing our customers with the care and considerations they deserve is our top priority and greatest concern. Our agency thrives on repeat and referral business and without professional, timely, and efficient care our clients will not recommend our services to others.

We “give” you “all things insurance” as our brand and logo imply. With our many years of experience and the effort we have made to educate ourselves across every aspect of insurance, we can provide you with access to every type of insurance you may need. We might not have all the answers, but we can do the research and get you the answers you need. If there are products we don’t have, we can get them. If not, we can put you in touch with someone that does. With our personal relationships and network of insurance professionals in Virginia, no answer or resolution is too far away.

“Take”

“Take” heart in knowing that we have done our homework and have learned everything we possible can about what’s important your world and what you want to protect; family, health, assets, or business. We want you to rest easy in knowing we care enough to ask the hard questions in order to protect the things you didn’t remember to ask about. Mark Twain said, “What gets us into trouble is not what we don’t know. It’s what we know for sure that just ain’t so.” As true as that is, we also uncover those things you didn’t know to ask about.

“Take” comfort in knowing that the insurance provider we place you with has the financial strength, track record, and resources to keep you on track to meet you goals as life happens. Life isn’t always easy and when it’s not, you need to the peace of mind of knowing it will be taken care of.

“Take” control or give it to us. Your customer service needs are at your fingertips. Our select portfolio of carriers has you covered when it comes to being able to access your coverage information, ID Cards, change requests, payments, and more. By providing you with insurance companies that have created world class websites and phone apps, you have immediate, 24/7 access to nearly anything you may need.

“Take” it to the bank. Not just the savings you may enjoy by allowing us to shop the competition for you, but also for the knowledge and experience that only years in the business can give. At Insuranceology, we are committed to continuing education through training and certification courses and to expanding our growing network of agency partners across the state of Virginia. As G.I. Joe would say, “Knowing is half the battle”.

 

High Insurance Carrier Expectations 

Insurance Carrier Selection Criteria. We only do business with top rated companies.

  • Strong online presence and web tools for our clients
  • Mobile apps to meet the demand for instant access to ID Cards, reporting losses, and making payments or requesting changes while on the go
  • Direct phone contact numbers for reporting claims and making payments
  • Flexible payment methods and plans
  • The ability to handle and pay any insurance claim
  • Quick response times when a claim is reported
  • AM Best ratings of “Excellent” or higher