When it Rains, It Pours - Personal Umbrella Policies

We get it - insurance is can be as confusing as reading a recipe your grandma wrote in 1960. You hear terms like limits, deductibles, premiums, exemptions, and more and it just feels like the dollar signs are piling up. However, at Graydon-Toole Group, we take a customer first approach. We represent over a dozen insurance carriers, but our loyalty lies with one person; you. So, when we review your needs and see you could greatly benefit from the protection from a Commercial or Personal Umbrella Policy, there is a reason {or three} why we recommend it. When it rains, it pours. And like the physical umbrella we all hold near and dear during a Summer storm, an Umbrella Policy is there to protect you when costs from a claim keep piling on.graydon toole group personal umbrella policy

Reason #1 Added Protection:

Personal Umbrellas are there to protect you where your homeowners or auto policy limits fall short. Should a claim cost more than the limits of your current policy,

Reason #2 It’s cheap!

A Personal Umbrella Policy for $1 million in extra coverage can be as little as $200 for an entire year.

Reason #3 You don’t have to be a millionaire to have a $1 million personal umbrella policy.

You don’t need to own a home, be married, have kids or be a certain age to have one. If you drive a car, cross a street or has people over to your home (either rented or owned), you may need this coverage. Even if someone is trespassing on your property, you could be liable for any injuries.

This is just a quick-hitter list of the benefits of an umbrella policy. It may be something you may have never even heard of! Drop your agent a line, and we would be happy to key you in on all the benefits and details you need to know to keep you and your loved ones protected.  

Posted by Jay Toole in General

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When it Rains, It Pours - Personal Umbrella Policies

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We get it - insurance is can be as confusing as reading a recipe your grandma wrote in 1960. You hear terms like limits, deductibles, premiums, exemptions, and more and it just feels like the dollar signs are piling up. However, at Graydon-Toole Group, we take a customer first approach. We represent over a dozen insurance carriers, but our loyalty lies with one person; you. So, when we review your needs and see you could greatly benefit from the protection from a Commercial or Personal Umbrella Policy, there is a reason {or three} why we recommend it. When it rains, it pours. And like the physical umbrella we all hold near and dear during a Summer storm, an Umbrella Policy is there to protect you when costs from a claim keep piling on. Reason #1 Added Protection: Personal Umbrellas are there to protect you where your homeowners or auto policy limits fall short. Should a claim cost more than the limits of your current policy, Reason #2 Its cheap! A Personal Umbrella Policy for $1

Carry on my wayward son…but we’ll keep you covered while you’re at it.

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Time flies and before you know it, you not-so-little-ones fly the coup and head off to college. While an exciting chapter of their life begins, with it comes a few new challenges to overcome. Do you have a young adult heading off to college? College can be a fun time for the student but a stressful one for the parent. Reduce some of the stress by planning ahead to make sure your college student has appropriate insurance protection while away at school. Insurance companies cover full-time students under age 25 in various ways. Youll want to consult your agent at Graydon Toole Group with questions about your specific policy and situation. The 3 Basic Ways Your Student May Have Coverage: 1. As a percentage of the personal property limit on the parents homeowner policy. Many insurance companies consider campus housing a secondary residence for the student and may cover your students possessions as a percentage of the personal property limit on your homeowner policy personal property means

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