Umbrella Insurance in Reno, Nevada

Reno Personal Umbrella Insurance

We all know the importance of being protected by insurance, but what happens when we’re involved in an accident or incident that costs us more than our insurance will cover?  Unfortunately, there are several possible scenarios that can exceed the limits you chose for your insurance policy. When this happens, you will be personally responsible for any outstanding financial charges, which could be substantial. To protect yourself from situations like these, consider adding a personal umbrella policy to your insurance by calling Heuer Insurance Agency in Reno, NV.

Reno Umbrella Policy Coverage

A Reno personal umbrella policy would provide coverage for:

  • Injuries
  • Property damage
  • Lawsuits and legal fees
  • Landlord liability claims

But what could possibly happen that would cost more than the existing limit on your policy of, say, $250,000? Surely that would cover the costs of even a totaled vehicle and medical bills, right? Perhaps.

But consider the possibility of being in an accident involving a high-paid professional, and in addition to medical bills, you are required to provide compensation for his/her lost wages. Suddenly you’re responsible not only for auto damages and medical bills, but also for lost wages from weeks or even months of his/her lost work, as well as possible legal fees from both parties incurred from the incident.

In the event that they earn a higher salary than you, could you afford to cover their salary while still maintaining your livelihood? What if you were injured and forced to miss work, as well?

Personal umbrella policies can provide extended coverage for not only your auto policy, but your home and boat policies, as well. Some other examples of situations covered by an umbrella policy include:

  • Someone becoming injured on your property
  • Any injuries sustained by an individual from a dog bite or attack for which you are responsible
  • Accidental damages you or your family members may cause to others’ property
  • Injuries sustained by someone on your rental property
  • Costs associated with being falsely arrested or sued for slander or libel
  • Several other personal liability situations.

How to Add Umbrella Coverage

A personal umbrella policy is an affordable addition to your existing insurance that can protect you and your family from situations like these. Unfortunately accidents happen, and personal umbrella policies can protect your home, bank account, property, and livelihood from the costs of such accidents.

Personal umbrella policies are usually available in increments from $1 to $5 million.  Sometimes there are certain coverage requirements for your other policies in order to qualify for a personal umbrella policy, so check with your Heuer Insurance agent to find out how to qualify and add a Personal umbrella policy today.

Heuer Insurance also offers Auto Insurancehome insurancefire insuranceterm life insuranceuniversal life insurance, and more – as well as policies for residents of Sparks and all of greater Nevada.


We’ll be happy to answer all your questions and get to work finding you the coverage you need. Get in touch with us today by calling or sending an email.

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Since 1929, Heuer Insurance Agency has provided personalized insurance solutions for our families, neighbors and community.  Our vision is to deliver unmatched value and customer service utilizing our generations of experience, technology and resources as an independent insurance agency.