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Umbrella insurance, or excess liability insurance, provides added protection above and beyond your home and auto policies in case you are held personally liable for bodily injury or property damage.

For example, if you injure someone in an auto accident and the damages exceed your auto policy liability coverage, your Umbrella Policy will kick in and provide additional coverage up to the limit of your policy.

The amount needed to pay awards or settlements for serious injuries can be high. As your income and assets increase, an Umbrella Policy becomes even more vital to a sound financial plan. Umbrella Policies provide a lot of protection for a reasonable price: the annual cost for a policy starts at about $200.

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“I have worked with Christopher Togawa for a number of years and he’s one of the most knowledgeable and helpful insurance agents I have dealt with. He’s very customer-oriented but also very aware of the best options that are available in the industry.”

-Charles R. Cross, Author

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