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About Us
Insurance products for businesses Nationwide
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Personal and Farm Ranch Insurance
Insuring personal property as well as farm and ranch operations Nationwide. Located central Montana we know Farm/Ranch
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Commercial Insurance
Insuring business through special programs Nationwide
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Sporting Goods
Specialty programs for those in the sporting good and outdoor industries
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Shoe and Clothing Retailers
Specialty Insurance for Shoe and Clothing Retailers
Personal Umbrella Insurance
Personal umbrella insurance offers extra coverage above the liability coverage in home, auto and other personal insurance policies. Those policies usually carry liability limits of $100,000 or $300,000, but is that enough? Umbrella insurance adds a layer of coverage of $1 million, $2 million or more, and it isn't just for the ultra-wealthy.
A short hospital stay can easily exceed $100,000 and long term rehabilitation and loss of income can also get into six-figures quickly. If someone is injured in a car accident and you are at fault, or a guest is injured on your home property, monetary damages can add up quickly. You should think seriously about adding umbrella insurance to your personal insurance coverage if:
- You own a home
- You have teenage drivers
- You have a significant income or future earnings potential
- You own a business
- You own a boat, RV or motorcycle
Those are just a few situations that call for extra liability insurance protection, but there are more. To learn about those, contact an umbrella insurance agent at Hobson Insurance today.
Do you have questions about Personal Umbrella?
Contact an insurance agent at Hobson Insurance today to answer any questions about Personal Umbrella or for a free review and insurance quote for Personal Umbrella.
