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Personal Umbrella Insurance
A serious car accident or an injury at your home can lead to a lawsuit larger than your auto or homeowners liability limits. A personal umbrella policy adds an extra layer of liability protection, typically starting at $1 million, for a relatively low cost. Nothum Insurance helps families in Washington and across Eastern Missouri protect their savings, home and future income.
How Umbrella Insurance Works
An umbrella policy sits on top of your auto, homeowners and other liability policies. When a covered claim exceeds those limits, the umbrella pays the rest, up to its own limit. It can also cover some claims your underlying policies don't, such as certain libel or slander claims.
Most umbrella policies require you to carry minimum liability limits on your auto and home policies.
Who Should Consider an Umbrella?
An umbrella policy is worth considering if you:
• Own a home or have savings and investments to protect
• Have a teen driver in the household
• Own a pool, trampoline or dog
• Own rental properties
• Coach, volunteer or serve on a board
• Have a high income that could be garnished in a lawsuit
Business Owners
Businesses can buy a commercial umbrella to raise the limits on general liability, commercial auto and employer's liability. Many contracts require higher limits than a primary policy provides.
Serving Washington, MO & Surrounding Communities
Nothum Insurance proudly serves families and business owners throughout:
• Washington, MO
• New Haven, MO
• Union, MO
• St. Clair, MO
• Pacific, MO
• Hermann, MO
• Warrenton, MO
• Sullivan, MO
• Franklin County, Warren County and Gasconade County
• And communities throughout Eastern Missouri
Ask us for an umbrella quote with your auto and home review.
Contact Nothum Insurance
565 Harold Meyer Drive, New Haven, MO 63068
Phone: (636) 283-2012
Email: spencer@nothuminsurance.com
Hours: Monday to Thursday 8am to 5pm, Friday 8am to 4pm, Saturday by appointment
Missouri Agency License #3004329020