You have worked to provide a comfortable living for yourself and your family — we will work hard to help you protect it. We spend time to understand each person’s unique situation, and then build a custom insurance program.
We can shop multiple companies to find the best match for your life. Everyone has different interests, hobbies, and lifestyles. We want to understand how you live your life so that we can be sure you will be OK if the worst happens.
Curtis Insurance works with their clients to help identify the best coverage for their homes, along with the best value. This is done with home replacement analysis and access to multiple companies. Our staff is insurance educated and ready to assist you with the following:
Curtis Insurance provides a wide range of coverage for your auto insurance. We provide Liability, Personal Injury Protection, Comprehensive, Collision, Road Service and Rental Car Coverage. Our staff is insurance educated and ready to assist you with the following:
Even though you have insurance that protects your automobiles, your home or your “toys” (boats, motorcycles and seasonal locations), do you have insurance that protects your assets? Is protecting your family’s financial assets a priority for you?
What is a Personal Umbrella Policy?
A personal umbrella policy provides additional liability limits above your personal auto, homeowners and watercraft policies. It protects your assets from a liability lawsuit and from paying out of pocket if there were a catastrophic liability claim. It also provides defense coverage, and in some cases may provide coverage when your other policies do not.
Claims Examples:
Here are two examples how a personal umbrella policy may help you:
Automobile: You are involved in an accident with another automobile where the passenger in the other vehicle sustained major injuries. You could be sued for $2 million in costs and future lost income of the injured person.
Social Media: Your teenager writes something on a social media site about another person in their school. The other teen’s parents sue for $3 million, because they feel the remarks are defaming and disparaging.
In both cases, your primary policy may pay on average only $250,000 – $500,000, leaving the additional burden to you and your family. A personal umbrella can help ease that burden.
What is the cost for a personal umbrella policy, and are there any discounts?
A personal umbrella policy is affordable. If you have only one automobile and one home, $1 million in coverage may cost just $150 to $200 a year. Additional automobiles, recreational vehicles, watercraft and additional liability limits would cause the premium to increase.
We all love lower premiums and there is a way for you to save money with multi-policy discounts. When you insure your automobiles and home you may be eligible to receive a discount on your personal umbrella policy. Conversely, a personal umbrella policy will give you a discount on your automobile and homeowners policies.
Curtis Insurance provides a number of other insurance policies as well. Contact us if you need any of the following coverages.