Specialty Insurance
Do You Have Enough Liability Insurance?
Imagine if your dog were to bite a neighbor’s child. Or if there’s an accident on your rental property. Or a fire in your condo spreads to other units. What would happen if you or a family member missed a stop sign and struck and killed a pedestrian? If any of these things happened to you, there’s a good chance your current liability limits wouldn’t be adequate to protect your assets—or your future earnings.
Liability Insurance Starts When the Others Stop.
Once the liability limits are exhausted on your home insurance, auto insurance, or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available.
Umbrella Insurance
To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy.
What is Peace of Mind Worth to You?
An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your homeowner insurance, auto insurance, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal compared to the comfort of knowing you’re covered.
Broad Coverages
An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you but your spouse and all family members living in your household anywhere in the world. Legal defense fees are also paid.
We also offer:
Earthquake Insurance
Although earthquakes are generally not covered by a standard homeowners insurance policy, they can destroy your home in an instant. For most people, the risk of losing their home, which is often their largest and most valuable asset is both unthinkable and unacceptable. At Maps Insurance we can often add earthquake insurance coverage to your existing homeowners policy, or offer coverage through a standalone policy.
Flood Insurance
Flood Insurance is offered through the National Flood Insurance Program. Although the government actually provides the coverage, Maps Insurance Agency issues the policy and, in the event of flood damage to your insured property, would also service your claim.