Personal Umbrella Insurance

To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy.

New York– What’s Peace of Mind Worth to You?

An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal compared to the comfort of knowing you’re covered.

Saratoga Springs, Glens Falls, Queensbury, Ballston Spa, Schenectady – Do You Have Enough Liability Insurance?

Imagine what would happen if your dog was to bite a neighbor’s child, or if there was an accident on your rental property. What would happen if a fire in your condo spread to other units? If any of these things happened to you, there’s a good chance your current liability limits wouldn’t be adequate to protect your assets, or your future earnings.

Liability Insurance Starts When the Others Stop

Once the liability limits are exhausted on your home, auto, or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available. Talk with Cote Insurance Agency to determine the right amount of coverage for your needs.

Broad Coverages

An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world. Legal defense fees are also paid.

The right coverage for you is unique – To find out how to protect yourself, your family and your future with the right personal umbrella insurance for you, just call one of our offices to speak with one of our agents and determine the right coverage for you


Cote Insurance can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too!

Rather Meet With An Agent Face To Face?

Book An Appointment Online With Your Local Cote Insurance Agent.

Some Savings Tips

Bundling

Combine multiple policies with one carrier for savings up to 25%

Higher Underlying Coverages

Having higher limits on your underlying policies helps reduce costs of the umbrella policy.

Better Credit

Make sure the person with the better credit score is listed first on the policy

Shop Around

Shop around to find more savings.

Related Articles and Blogs

Night Time Driving

A little extra caution can go a long way while driving at night Summer has ended, Saratoga Racetrack is closed fall is in the air. …
The Right Car Seat for Your Child Infant-only, convertible, all-in-one – many soon-to-be parents in {city, state or region}Saratoga Springs advantages and disadvantages. Here are …
As kids head back to school, let’s keep them safe The end of summer means many things, such as cooler weather, shorter days and … …
What “helping” means to me professionally In the insurance industry “helping” can have different definitions to each individual agencies. The Cote Agency’s mission statement tells …
When should I remove collision coverage from my vehicle? Here is a question that my clients ask me often. When does it make financial sense …
Purchasing Insurance:  Advantages of having an Insurance Agency vs. purchasing online When the need arises to obtain Insurance for yourself or your family there are …

Child Car Seat Safety

The Right Car Seat for Your Child Infant-only, convertible, all-in-one – many soon-to-be parents in {city, state or region}Saratoga Springs advantages and disadvantages. Here are …

High Or Low Deductibles?

High or low deductibles: Understanding deductibles on your insurance policies is the first step to deciding what deductible is best for you, high or low. …

Want to talk?

Please call us:
Saratoga Springs – 518-587-3303
Corinth – 518-654-9021
South Glens Falls -518-761-6764
Greenfield Center -518-893-2683

Schenectady – 518-533-3600