In a coastal state like New York, having the right insurance is a key element in protecting yourself and your loved ones from unexpected financial loss and physical harm. From flooding and hurricanes at the seaside to big city renter’s concerns in NYC, the appropriate policies may help you stay covered in the case of disaster. But are you sure that the policies you currently have are enough? How can you make certain your family is covered when the worst happens?
For many people, dealing with insurance seems like a difficult and stressful task. In an effort to save money, people often purchase the most basic policies with the lowest premiums, never considering the gaps that may be left. Unfortunately, too many home and business owners find out too late that their coverage was not enough to cover their losses, leaving them high and dry when dealing with the aftermath. Fortunately, there is still time for you to patch up those holes with New York umbrella insurance coverage.
Umbrella insurance coverage from XL Brokerage Inc. supplements your pre-existing insurance policies, providing coverage for your needs without breaking the bank on higher premiums for policies that may cover more than you really need. While standard insurance coverage often explicitly excludes certain elements, umbrella insurance may offer coverage for those exclusions, like injury, property damage, some types of lawsuits and certain personal liabilities.
As with most states, New York umbrella insurance coverage requirements are unique. The knowledgeable agents at XL Brokerage Inc. are well-versed in the details and will help you to find a policy that fits your needs and meets all legal requirements and restrictions. If you live in the Selden, NY area and are seeking additional personal and/or commercial coverage, contact us today!