Umbrella Insurance

The insurance policies that you have may not be adding as much financial protection as you think. When you’re in Minnesota, you simply never know what could happen. With an umbrella insurance policy, you can have more protection. At T. French Insurance Agency, we’re here to help you with the process.

What is umbrella insurance?

To avoid getting caught in the rain, you use an umbrella. To avoid getting caught in a claim that costs you too much money out of pocket, you use umbrella insurance. The idea behind this kind of insurance is that it serves as an umbrella over all of your existing policies. It provides added liability coverage if you exhaust the maximum coverage within a particular policy.

You can have umbrella insurance protect you over:

  • Auto Insurance
  • Home Insurance
  • Flood Insurance
  • RV Insurance
  • Commercial Insurance

Plus, our independent insurance agents can help you to understand more of the benefits and customize a policy to meet your needs.

How can an umbrella policy help?

Think about what happens when there’s an accident. You file a claim with the insurance company, pay your deductible, and assume all will be taken care of. However, there are maximum coverage levels that you set on your policy. If you exceed this amount, you could be left with tens of thousands of dollars to pay out of pocket. With an umbrella policy, it allows you to turn to that policy before paying anything out.

As such, having an umbrella policy could be the difference between taking care of an accident or having to file for bankruptcy. While you hope you never need to use your umbrella policy, having it there can offer a significant amount of peace of mind to you.

Shopping for umbrella insurance in Minnesota doesn’t have to be overwhelming. Contact us at T. French Insurance Agency to get help from our independent insurance agents.