Umbrella Insurance in New Jersey

Elmer, NJ is conveniently located in southern Salem County. It is an easy drive to the New Jersey Shore or to Philadelphia. It has a small-town vibe that so many people are looking for which makes it a popular place to live. You may not understand why umbrella insurance is something that you should consider in such an idyllic location. At the Sloan Insurance Agency. we have more than 70 years of experience helping our customers make educated insurance decisions. We can explain the benefits of umbrella insurance.

If you are an active family, you may have a swimming pool or a trampoline or even a dog. All of these things make you more vulnerable to a lawsuit from someone who may be hurt on your property or by your furry friend. Your home insurance offers liability coverage but if the judgment against you rises to a level that is higher than the limit of your policy, you could be liable to pay the excess amount on your own. This could have a serious impact on your present and future financial security. The same scenario could play out if you are in a serious car accident where you are found to be at fault.

With umbrella insurance, when you reach the liability limit of your home or auto policy, the umbrella policy will kick in. Umbrella insurance is an extra layer of liability insurance that helps to protect you if the limits of your regular policies are exceeded. Most umbrella policies are between one and five million depending on the number of assets that you have. An umbrella policy provides peace of mind at a very affordable price.

As Independent Agents, at the Sloan Insurance Agency, we offer residents of Elmer, NJ and the surrounding area a wide selection of companies to choose from. Why not give our office a call or stop by for a no-obligation quote, we can help you choose the coverage that is right for you.