Umbrella Insurance

Umbrella Insurance

Umbrella Insurance

The personal umbrella policy is an extra layer of coverage that protects you over and above your personal home, auto, and watercraft policies. If a claim exceeds the highest limits of your current policies, the personal umbrella coverage takes over.

To be eligible for an umbrella policy, you must have certain underlying limits of coverage. Your Bearingstar Insurance agent can help determine if an umbrella policy is right for you and guide you through the eligibility requirements.

How Much to Consider

Although $1 million may appear to be more than enough coverage for most people, the total cost of a liability claim can multiply quickly. Balancing the cost of premium with having adequate protection is an important consideration when discussing an umbrella policy.

Connecticut Calculator

Request a Quote

*Future earnings are a projection of your "take-home pay" that could be "garnished" if your other assets are not sufficient to cover financial damages for which you are held responsible. In Connecticut, up to 25% of your "take-home pay" is subject to "wage garnishment" for up to 20 years, creating a substantial potential liability.

Information and use of the interactive estimator are made available to you as self-help tools for your independent use and are not intended to provide insurance advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. The coverage you eventually select should be carefully discussed with your agent, and if possible your financial planner or a personal injury attorney.

  • How natural or manmade disasters can affect your insurance

    Natural and manmade disasters often have unfortunate impacts on the insured, as well as insurance companies. Look at the destructive Columbia Gas explosions that rocked the Merrimack Valley in the fall of 2018.  And who can forget Hurricanes Harvey, Irma, and Maria? These disasters caused between $115 and $280 billion (1) worth of damage to…

  • Life Insurance in the time of Coronavirus

    If the current landscape has you thinking about life insurance, you are not alone. Many people are worried about themselves and their loved ones as the COVID-19 pandemic continues to evolve. These turn of events have more people searching for life insurance as an added peace of mind for their loved ones. To help navigate…

  • When Trees Fall Who Pays for What?

    February and March can have some of the most turbulent weather in New England.  We all know harsh weather can mean downed trees. So, who pays for what when trees fall on your property, your car, your neighbor’s house?   The answer is – it all depends!  Here are answers to some frequently asked questions…

How natural or manmade disasters can affect your insurance

Natural and manmade disasters often have unfortunate impacts on the insured, as well as insurance companies. Look at the destructive Columbia Gas explosions that rocked the Merrimack Valley in the fall of 2018.  And who can forget Hurricanes Harvey, Irma, and Maria? These disasters caused between $115 and $280 billion (1) worth of damage to…

Life Insurance in the time of Coronavirus

If the current landscape has you thinking about life insurance, you are not alone. Many people are worried about themselves and their loved ones as the COVID-19 pandemic continues to evolve. These turn of events have more people searching for life insurance as an added peace of mind for their loved ones. To help navigate…

When Trees Fall Who Pays for What?

February and March can have some of the most turbulent weather in New England.  We all know harsh weather can mean downed trees. So, who pays for what when trees fall on your property, your car, your neighbor’s house?   The answer is – it all depends!  Here are answers to some frequently asked questions…

We find ourselves in rapidly changing times. As we continue to experience the ongoing spread of COVID-19, we at Bearingstar Insurance Agency are committed to remaining open to service your insurance needs. At the same time, Bearingstar is also committed to the health and well-being of our customers and our employees alike. We are therefore limiting the amount of physical interaction at our offices, and we will be conducting business by phone and email only. click here for your local Bearingstar office's contact information