Umbrella Insurance

You work hard for the things that are important to you. For added coverage above and beyond the liability limits of your Auto or Home insurance policies, a Personal Umbrella insurance policy can provide added protection for your assets and future earnings. As an Umbrella insurance policy is there to protect you if you are sued for damages above your primary liability limits.

For example, a witness in your auto accident says you ran a red light and T-boned another car. You have no credible witness to defend your side of the story and the passenger that was injured in the other vehicle sues you for $850,000 for his medical cost as well as pain and suffering. You only have $250,000 per person liability coverage on your underlying insurance policy. In this situation, an umbrella insurance policy can help with these extra costs as well as legal fees. Instead of just having your normal auto insurance coverage, umbrella insurance gives you the additional coverage you may need

As a rule of thumb, to figure out whether you need an umbrella policy, is when the value of your assets is greater than your current liability limits on either of your homeowner’s insurance policy as well as your auto insurance policy. If you haven’t already, check out the Trevin Webb Liability Exposure “Snapshot” worksheet to help determine if you are under insured (click below on Liability Exposure Snapshot). Also remember that you don’t have to be a millionaire to be sued like one. When it comes to assets such as retirement, monthly income, home equity, vehicles, or personal property these are easy for the courts to get access to in the event of a tragic liability claim against you.

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Don’t Get Caught in the Rain Without Your Umbrella!

Contact the Trevin Webb Insurance Agency today for a policy review.

Note: If you have the Uninsured or Underinsured Motorist (UM/UIM) endorsement (Note; not all Umbrella Insurance companies offer this) and if you get hit by an uninsured or underinsured motorist (UM/UIM) your uninsured/underinsured motorist coverage on your umbrella can help with more coverage over and above your underlying uninsured/underinsured motorist coverage for your injuries. As an example 1 out of 5 drivers are uninsured in Oregon. UM/UIM coverage can help pay for your injuries from an accident caused by the owner or operator of an uninsured or underinsured vehicle. Excess UM/UIM from a personal umbrella policy pays after the auto polic’s UM/UIM limits have been exhausted. Contact your insurance representative at the Trevin Webb Insurance agency to see if this is an option for your Umbrella policy.

Coverage Designed to Work Together, Not Leave Gaps

Every situation is different. We help you structure your coverage so everything works together properly reducing gaps and protecting what matters most.

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What Our Clients Are Saying

Сергей Кульгавый

Excellent service! Huge thanks to insurance agent Trevin for his professionalism and responsiveness. He is a true expert who values his clients' time and money. Top rating!

Jabez Wute

Really helpful and informative

Charles Lott

I been working with Trevin at farmers in’s. For 17 yrs. I got life insurance, homeowners and auto insurance.in those 17 yrs the company have made my life a lot easier in more ways than one. I can go on an on but I’ll let you call them so you can witness everything I said

James

Great service! Smart Agent!

Kevin Croghan

Hunter was very professional and respectful and and worked diligently to get me a good deal on my insurance.

jan fox

Cheers!!! Thank you Trevin & team! 5 years & going strong! Greatly appreciate you all - —

Lloyd Root

High level customer service with a personal touch. So glad we made the switch to TWI!!!

Our Insurance is Transparent, Fair, And Simple

The Trevin Webb Insurance Agency can help you select the best insurance coverage for your needs. There are several different types of insurance products available and the decision can be overwhelming.

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Having the proper insurance package is one of the most important decisions your family can make. That’s where Trevin & his team can help. Helping families like yours isn’t a job, it’s a commitment.

Umbrella Insurance