(978) 685-1150

855 Turnpike St.
North Andover, MA 01845

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Personal Umbrella Insurance

An extra layer of coverage for you and your family.

The more you have, the more you have to protect. Just about anyone could be sued as a result of his or her actions, inactions, or accidents. Your standard insurance policies have coverage limits. An umbrella policy offers an additional layer of liability protection at a very reasonable cost.

Umbrella Policies provide excellent value:

  • Excess coverage over primary policies, i.e. home, auto, boat, motorcycle
  • Bodily injury due to auto or home accidents
  • Personal injury
  • Slander and liable
  • Defense costs, i.e. attorneys
  • Coverage for you, your family members, and even a student at college
  • Typical limits available of $1 million – $5 million
  • Additional limits always available
  • Excellent additional coverage at a reasonable cost

The cost of a personal umbrella insurance policy is very small compared to the cost of not having coverage at all. If you are not certain whether you need a personal umbrella insurance policy, our agents at R.W. Testa Insurance Agency suggest you answer the following questions:

Do You Need An Umbrella Policy? – make font bold

  1. Do you own a home?
  2. Do you own a vacation home?
  3. Do you own waterfront property?
  4. Do you have a swimming pool on your property?
  5. Do you own more than one automobile?
  6. Do you own a luxury automobile?
  7. Do you own a power boat or sail boat?
  8. Do you own a dog?
  9. Do you have above-average family income?

If you answered YES to any of the above questions, you may want to consider adding a personal umbrella policy to your insurance portfolio. Call us at (978) 685-1150 or easily get started with a free quote today.

855 Turnpike St.
North Andover, MA 01845

: (978) 685-1150
 (978) 681-9002

Licensed in Massachusetts,

New Hampshire and Maine


Hours of Operation

Monday through Friday

8:30am – 5:00pm