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O'Donnell Agency LLC

416 Centennial Ave
Cranford, NJ 07016

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Insurance Blog

3 Questions to Ask Your Agent About Umbrella Insurance

If you’re looking at insurance coverage options to protect what matters most, you may want to get an umbrella insurance policy. O’Donnell Agency LLC can help if you’re in New Jersey and want to learn about your options before making your choice.

Here are three of the most important questions to ask your agent:

1. What Kinds of Situations Does This Cover?

Umbrella coverage is designed to protect you over and above the limits of the other policies you already have. With that in mind, though, it may not cover every situation you could otherwise be insured for. Make sure you talk to your agent about any specific concerns, so you know whether you’ll be covered.

2. What Coverage Level Do I Need?

The amount of coverage you’re looking for is also important. Some people want or need more than others, and you don’t want to be unprotected if it’s possible to increase your coverage for a little extra security. Giving your agent a good understanding of your situation makes it easier for them to recommend coverage levels.

3. Is This Insurance Right for Me?

Whether umbrella coverage is right for you is something only you can decide, but your agent can help you understand how it works and what kinds of scenarios it covers. Then you can decide if it’s something you want to include with your other policies.

We Are Here To Help

If you’re in New Jersey and thinking about umbrella insurance, O’Donnell Agency LLC is here to help you get the right policy and coverage options for your situation. Not only does that offer you additional protection in the event of a claim, but it can also give you much more peace of mind for the present and your future.

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