Umbrella Insurance Overview
Purchasing a personal umbrella policy from Phil Richard Insurance is an easy and cost-effective way to help you achieve extra peace of mind. Personal Umbrella insurance goes beyond the typical limits of liability to give you, your family and assets broader coverage for a wider spectrum of incidents. We recommend a personal umbrella policy near Marblehead to all of our clients to enhance existing personal home, auto, recreational vehicle and watercraft policies.
Some things to consider about Umbrella Insurance
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Umbrella policies come in coverage amounts of $1 million dollars or more.
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The extra protection is designed to kick in if you are sued over an incident not covered by your existing home or auto insurance.
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It is recommended that people buy $1 million more in umbrella insurance than they think they will need. The idea is you can’t be over-insured for lawsuits.
Our team at Phil Richard Insurance will guide you towards the level of umbrella insurance you may need.
Frequently Asked Questions
What does a personal umbrella policy cover and why would I need one?
When should I purchase a personal umbrella policy?
Umbrella Insurance Service Area
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Office Hours
Monday: 9am – 4:30pm
Tuesday: 9am – 4:30pm
Wednesday: 9am – 4:30pm
Thursday: 9am – 4:30pm
Friday: 9am – 4:30pm
Sat – Sun: Closed




