Hi, I’m Dave Evans from Hopmeier Evans Gage Insurance!
Let’s clear something up:
Umbrella insurance is not for umbrellas. ☔
It won’t replace your home, auto, or boat policy either.
But… if you already have:
- Home insurance ✅
- Auto insurance ✅
- Boat or rental property insurance ✅
Then an umbrella policy sits on top of all those policies—like a protective shield—providing an extra $1 million or more in liability coverage.
💥 Why Would You Need That?
Here’s the thing:
Most policies cap liability at $300,000. But what if:
- You’re in a major car accident with multiple injuries?
- Someone gets hurt water skiing behind your boat?
- A guest trips at your rental property and sues?
Those claims can hit $1M+ fast.
Once your base policy pays out, the rest comes from your personal assets unless…
You have an umbrella.
🧠 Real Talk: Do Most People Need This?
Not every day.
But when you do… you really do.
We’ve seen cases where an umbrella policy was the only thing standing between a client and financial ruin.
And the kicker?
💵 Most umbrella policies cost just $200–$300 per year for $1 million in coverage.
That’s less than what many people pay for streaming services!
✅ What You Need to Qualify
To buy umbrella insurance, most insurers want:
- Auto liability: at least $250,000 per person / $500,000 per accident
- Home liability: at least $300,000
- Boat/RV policies: also need liability minimums
Once you meet those, you’re good to add an umbrella.
👋 Let’s Chat
We’ll help you figure out:
- What coverage level fits your life
- If you qualify
- Which carrier gives you the best rate
So give us a call, shoot us a text, or email us. 518-377-7414 info@YourOwnAgent.com
Hopmeier Evans Gage Insurance — where the wrong coverage is never a bargain.