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Umbrella Insurance

At Hoff’s Insurance Specialists, we work hard to ensure our customers have the coverage they need to stay protected. In some cases, this means making sure they have a certain level of liability protection for their current needs and lifestyle. Here’s what you need to know about purchasing an umbrella policy and why it is beneficial to do so.

What is Umbrella Insurance?

Simply put, an umbrella policy acts as an umbrella of extended coverage over the top of your existing home, auto, and business policies. This means that if you are ever involved in a catastrophic loss—such as a major car accident—this secondary policy would help cover any liability over and above your existing coverage.

Why You Need Umbrella Insurance

There are many reasons to purchase umbrella insurance, but the most popular is the peace of mind. By having excess coverage, you can rest assured that your family, home, and personal assets are safe in the event of the unthinkable. For many people, this is reason enough to consider an umbrella insurance policy.

How to Purchase Umbrella Insurance

Purchasing umbrella insurance is quite easy. All you need to do is sit down with one of our team members and review your current property and auto insurance policies. From there, we can determine the exact level of umbrella insurance coverage you need for your risk level, budget, and stage of life.

Working with an Independent Agency in Minnesota

There are many benefits to working with an independent insurance agency. First, we have access to a variety of different coverage sources. This means that we are not tied to a single carrier, which allows us greater flexibility when helping you find quality umbrella insurance coverage that meets your needs and budget.

Ready to learn more about buying umbrella insurance? Contact our friendly and courteous team at Hoff’s Insurance Specialists today to schedule an appointment. We proudly serve Sauk Rapids, MN, and all surrounding areas.