Hometown Community Insurance Agency


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(608)339-6285
139 S Main St
Adams, Wisconsin 53910

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Umbrella Insurance

What is an umbrella insurance policy?
    Umbrella Insurance is an excess liability insurance policy that protects you above and beyond the limits on your homeowners, auto, watercraft or other underlying insurance policy.  Umbrella Insurance is designed to give you added liability protection for lawsuits, and claims that rise against you. It's an inexpensive way to protect your financial future as most $1,000,000 umbrella policies only run a few hundred bucks. 
Why would I need Umbrella Insurance?
Today, lawsuits are everywhere and more frequent than ever before.  Lawyers are awarding higher amounts of money that ever before.  Liability Insurance is the portion of your home or auto policy that pays for expenses such as the injured persons medical bills, therapy, and lost wages and also property damage.  It also covers legal defense if you are found to be negligent in the case you are being sued for.  After adding up all of these fees, the underlying limits on an average home or auto policy is often not enough. This is where your umbrella would come in.  Umbrella policies come in increments of $1,000,000 limits with the average person purchasing just a $1,000,000 policy.  For the small amount of premium an umbrella policy costs - we highly recommend every homeowner purchase one.  Plus with many companies you can get a discount on your home and auto policies for having an umbrella with the same company.  

Since no one can predict what judges will award in an accident case anymore - umbrella policies are important for every policyholder to have.

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Hometown Community Insurance Agency
139 S Main St Adams, WI 53910
Phone: (608)339-6285
We are an independent insurance agency with 2 convenient locations in Central Wisconsin.