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603-288-0111 631-369-0888
The Washwick Agency

2212 Main St
Bethlehem, NH 03574

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860 East Main Street
Riverhead, NY 11901

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What is umbrella insurance and why do I need it?

If you are confused about umbrella insurance, you have plenty of company. Many people would be unable to explain exactly what this type of protection is all about. At The Washwick Agency, serving the Bethlehem, NH community, we take our responsibility to our customers seriously and will make an effort to make sure we answer your questions and provide the support you need. 

Why Umbrella Insurance?

Think of umbrella insurance as an umbrella. You are your assets, and the rain is all the hazards that face you every day. This insurance is excess liability coverage, and it protects your assets from all the bad things that can happen. Umbrella coverage is not a stand-alone policy. In order to purchase it, you must already have a policy with liability coverage. What this will do is add another layer of protection. 

Policies with liability coverage are home insurance, auto insurance, boat insurance, condo insurance, motorcycle insurance, and renters insurance. Liability insurance protects you from someone being injured on your property or by your property, having serious injuries, and suing you. If the judgment goes against you, you will need to get representation, which can be expensive, and you will have to pay the judgment. Again, this can be expensive. 

You work hard to accumulate the assets that you have, and the thought of losing them to an accident is hard to imagine. That is why you need umbrella insurance. After your primary policy pays up to its limit, the umbrella will kick in and most of them start at around a million dollars, which gives you quite a lot of protection. 

Contact Us Today

Give our office a call or stop by our offices at The Washwick Agency in Bethlehem, NH to get information or a no-obligation quote. 

Servicing States

We have expanded our services into multiple states! Don’t see your state listed, reach out anyway!

  • New Hampshire
  • Maine
  • Vermont
  • New York (Long Island, NYC)
  • Florida
  • South Carolina
  • Texas
  • Maryland
  • Connecticut


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