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O'Donnell Agency LLC

416 Centennial Ave
Cranford, NJ 07016

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Insurance Blog

How Umbrella Insurance Coverage Protects Your Personal Valuables

New Jersey residents who own valuable assets will want to ensure these items are always fully protected. That’s why buying an umbrella insurance policy on top of one or more additional policies is a wise idea.

What is Umbrella Insurance?

Umbrella insurance kicks in when other insurance policies don’t offer as much coverage as you need. There are two main ways an umbrella policy will provide compensation:

  • An umbrella insurance policy can offer additional compensation on top of your compensation from another insurance policy. For instance, umbrella coverage will make up the difference if your scheduled personal property coverage only provides up to $1.5 million in compensation for valuables worth $2.5 million.
  • Umbrella coverage can make up for gaps in other insurance policies. For example, if you move to a new home and your valuables are lost or damaged during the move, you can claim compensation from your umbrella policy. Alternatively, if your valuables are damaged due to circumstances not covered by your scheduled personal property insurance, you can claim compensation under your umbrella policy.

The terms and conditions of an umbrella policy may vary depending on the insurance company you work with and the policy you choose. That’s why choosing a reputable insurer with a reliable, trustworthy track record is important.

Get Umbrella Coverage from O’Donnell Agency LLC

At O’Donnell Agency LLC, we make it fast and easy for you to review umbrella insurance options and pick the policy that best meets your needs. We serve clients in and around New Jersey and have experience providing expert advice on insuring a wide range of valuables. Contact us today to learn more or request a quote.

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