Umbrella Insurance

Umbrella Insurance Harford County: Ultimate Peace of Mind…

Umbrella Insurance Harford County

Who can really predict the weather? Even the pros get it wrong … a lot.

Similarly, who knows when a catastrophic accident or lawsuit could threaten to undo your life or your finances?

Umbrella insurance acts just like an umbrella, over all your other insurance policies, giving you an extra measure of protection, should the worst happen.

What is a Personal Umbrella Policy?

A “PUL” is protection from the financial ruin associated with a lawsuit. It provides the payment for legal expenses, incurred in your defense, up to the limits of the policy–whether you are found guilty or not!

Who should consider a “PUL”?

Anyone who has assets to lose! Just read the headlines. The courts are awarding larger amounts than ever before—many reaching millions of dollars—in liability cases involving injuries and property damage. Everyone is at risk, especially if you fit into any of the following categories:

Do you have assets?
Do you own any of the following? Swimming pool, hot tub, trampoline, rental property, boat, jet ski, motorcycle, large dog, or expensive car?
Are you involved in youth sports or activities? Little league coach, referee, umpire, girl or boy scout leader
Do you have a teenage driver?
Are you a member of? Church groups, civic organizations, or volunteer organizations
Do you? Participate in carpools? Host dinner parties or gatherings?

How much does a “PUL” cost?

The annual premium is about the same cost as one hour of legal defense!

Not Just for the Rich, or Business Owners…

Umbrella policies are very affordable, since they would only be needed for very large accidents for lawsuits. Hopefully, you would never have to use it.

But anyone could have an accident on your property, and if there were immense physical trauma, debilitation, or death, a lawsuit or medical expenses could possibly exceed the limitations of your homeowners policy. The same can be said for your auto policy, if the worst were to happen. How could you afford an extra million dollars of a jury award that is beyond your policy limits? It could devastate you financially.

From $1 – $5 million in additional umbrella coverage could save you from financial disaster. It is inexpensive peace of mind for sure.

Umbrella-Insurance-Policy-for-Harford-County-residents-in-MD-Gerety-Insurance

Umbrella Insurance Harford County

How Affordable?

Many factors determine the cost of your policy, including the restrictions of your carrier, the amount of coverage you elect, and your risk profile and driving record. You always save money when your umbrella policy is written by the same company as your other policies.

You’ve Seen Enough Law Shows on TV…

We live in a litigious society. Even when your insurance coverage limits are $300,000 or $500,000, there’s nothing stopping someone’s lawyer from asking for a million dollars or more in a settlement.

Why are victims prone to sue? Because the plaintiff pays nothing to start a lawsuit, juries and judges could go either way, and the reward can be high for both attorney and victim.

Either way, the cost to defend yourself in court can be very high, even if you win.

Contact us and let the umbrella policy insurance professionals at Gerety Insurance help you protect yourself from financial loss from a major event.

Umbrella Insurance Harford County

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"Call Missy for all your insurance needs. Talk about a awesome person and very knowledgeable she saved us over $700."

—Beverly Guthrie

"I cannot speak highly enough of the Gerety Insurance Agency. Chris and their team provided EXCELLENT customer service, they were professional, efficient and communicated extremely well. I moved all my insurance needs, home, auto and liability policies to them.
I highly recommend!"

—Jim Grant

"A Wonderful customer support at all times. Always ready to help at any time. Courteous, professional, knowledgeable. Immediate and supportive response when claims made."

—Meg Bates Jones

"The staff was very helpful, professional and supportive in seeing us through tree and structural damage resulting from a wind storm. Great staff."

—Ursula Cain-Jordan

"I was switching over from another insurance provider and they made it the easiest thing possible for me. Anything I had questions on they knew and if I had to send them information about anything I can shoot my agent with a quick picture of the information over a text! Friendly, and honest people."

—Donny Stimax

"Jaime Zang has been a wonderful help to our entire family. We have been through many changes as our family grows. She is always quick to respond, knowledgeable, and polite. I would recommend this company to everyone I know!"

—Mary Chaney

"As a customer of Gerety Insurance for many, many years, we could not be more pleased with the outstanding customer service and knowledge of the industry. Always available in a timely fashion to change/adjust policies as needed in our changing world. Highly recommend."

—Grace M. Manger

Ryan Frye

After our homeowners insurance premium went up for the third year in a row, I decided to try to shop around to get a better rate - not realizing how difficult some companies make it to get simple answers. I eventually came across a local insurance broker in my Google searches and decided to give them a try. Best decision I've made in a while. Our agent Chris Baur was extremely friendly and easy to get a hold of. Not only did he find a company that saved us hundreds of dollars with better coverage, we ended up bundling our auto insurance as well and am saving over $1000 a year. I cannot speak highly enough of Chris and Gerety Insurance and I've already been spreading the word to anyone in my circle that wants to save money. If you're looking for a sign as to whether or not they are right for you - this is it.

Chris Copenhaver

Very satisfied. I would recommend to anyone. Easy to work with.

Kim Maisel

I switched our auto & home insurance to Genety Insurance a number of years ago and I couldn’t be happier. Courtney services my accounts and she is always quick to respond and is so helpful with all of our needs. The entire staff are very courteous! The customer service is top notch!

Luke Smith

Very nice

Phillip Pawlukovich

Can’t recommend enough! Courtney and the rest of the team are always responsive and there to assist in anyway possible. Whenever a request is made, I feel like I am the top priority.

Michael Gerace

Outstanding service! Sully always goes above and beyond. He always delivers and a great partner to have.

Isabella Cirincione

I recently moved into my first apartment and needed renters insurance. Moving is stressful but working with the insurance company has been anything but stressful. Missy was super helpful and made the process very simple and quick! I am very grateful for her being able to help.

Kerrin O'Neill

We have been with Gerety Insurance for many years, and they are outstanding. They find the best rates for us, and they have been so helpful when we have needed to file claims.

Katherine Langrehr

Courtney Webster was a pleasure to work with. She worked efficiently to set up my new policy and made the whole process a breeze. Courtney even took the time to then change my policy when she later found a lower quote for me. Her customer service was greatly appreciated and helped save me over $100! Thank you so much Courtney!!

Mark Gray

The place is great when I call there with a question they are very helpful and go the extra mile ,they know there business very well that's why I stick with gerety ins Co. Very professional. 👍

Umbrella Insurance