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Safe Insure Plus, LLC

2105 S. Elliott
Pryor, OK 74361

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Oklahoma Auto insurance coverage

Important questions to ask your agent about umbrella insurance

So many people in the Pryor, OK area end up paying huge sums of money after a lawsuit because they did not have an adequate umbrella insurance policy in place. The agents at Safe Insure Plus LLC are here to answer essential questions about placing an umbrella policy. 

How much umbrella coverage do I need to carry?

There is no one size fits all answer to this question. Many factors go into making this decision. For example, if you have a pool or a dog, you may need more coverage than individuals who do not. Also, an umbrella policy limit will depend on your net worth that could be at risk in the event of a lawsuit. Your agent at the Safe Insure Plus LLC will sit down with you to review all of your risk factors to help you determine an appropriate amount of coverage. 

I carry high limits on my primary policies; why do I need to consider an umbrella policy? 

Too many people assume carrying an umbrella policy over a primary policy when you carry limits as high as a million dollars may seem unnecessary. Unfortunately, we live in a very litigious society, and claims for liability accidents involving car accidents and dog bites can quickly add up and put your net worth at risk. 

What information is needed to obtain an umbrella policy? 

To obtain an umbrella policy, there are a few pieces of information you will need to provide to us. The first piece of information we will need is a list of all of your real estate assets worldwide in addition to your primary policies on those properties. We will also require a list of any cars and boats you own, along with any primary policies. Finally, you will be required to disclose if you are a director of a board or non-profit? All of this information will help us put together a comprehensive umbrella policy. 

If you are interested in learning more about an umbrella policy, reach out to us at Safe Insure Plus LLC  today. We proudly serve the Pryor, OK  area.