Personal Umbrella Insurance

A Personal Umbrella Insurance policy protects you in a claim when your auto or other personal policy liability limits are exhausted, and you are faced with a lawsuit and potentially millions of dollars in liability exposure.

A million dollars can add up easily, particularly if the injured person suffers injuries that keep him or her from working for weeks, months, or years. The victim of an accident could sue you for medical bills, lost income, and even pain, and suffering, not to mention damage to their vehicle, and the cost of an attorney.  Depending on the extent of the damage and injury, after your personal policy liability limits are exhausted, you are responsible for paying the rest, if you are at fault in an accident, and that could mean financial disaster.

Belcher Insurance Agency can provide Personal Umbrella Insurance to Protect You and Your Family.

We can provide $1 million or more of Personal Umbrella Insurance protection on top of your personal policy liability coverages–and it is not that expensive.  You can usually buy a personal umbrella insurance policy with $1 million limits for $150 to $300 a year. If you need more than $1 million limits, you can buy each extra $1 million of coverage for $100 to $150.

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At Belcher Insurance Agency “70 Years of Serving You 1st” means:

• FREE NEEDS ANALYSIS. We take the time to understand every client’s needs and work hard to provide the best possible insurance solution for the best value.
• EXTRA-ORDINARY SERVICE. We take pride in exceeding the expectations of our clients by providing superior communication, quality service, and delivering the ultimate, exceptional experience.
• WE GIVE OUR CLIENTS OUR CELL PHONE NUMBERS! Access to your agent at your fingertip.
• EXCEPTIONAL RESPONSIVENESS.   We respond as soon as possible to client inquiries–most of the time within minutes.
• TECHNOLOGY. We partner with companies that are innovative and remain on the cutting edge of technology, so our clients may have the convenience of accessing their policy information at anytime, anywhere, any place.
• FINANCIAL WELLNESS. We educate and work collaboratively with clients to bring order to their financial life and to achieve their dreams and goals, as they navigate through the different fiscal stages, such as eliminating debt, asset protection, and retirement planning.
• WE CARE. We go beyond insurance and provide clients with an experience that they will appreciate and services that will help clients improve their cash flow and build personal wealth.
• PARTNERSHIP. Our referral partners will assist our clients with all their real estate needs, such as buying, refinancing, and investing.

Belcher Insurance Agency is a full-service insurance agency providing Commercial Insurance and Personal Insurance services to residents of Virginia, West Virginia, Kentucky, Tennessee, Maryland, and North and South Carolina including the Southwest Virginia communities of  Haysi, Clintwood, Norton, Pennington Gap, Wise, Abingdon, Richlands, Grundy, Lebanon, Castlewood, Saint Paul, Pennington Gap, Jonesville, Duffield, Gate City, Weber City, Bluefield, and Tazewell. Call, request a quote by email, or visit us at one of our offices today for a free, no-obligation risk assessment and quote. Let us do the research and find the best personal umbrella insurance value for you.

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 Personal Insurance Coverage for Different Needs

On the right sidebar of this page, you will find links to a number of personal insurance resources.  Click on any of the different personal insurance coverage categories to learn more about specific insurance issues and coverages.   Please call one of our insurance agents at Belcher Insurance Agency for any assistance.

Personal Umbrella Insurance Experts

Visit our About Us page to learn about our Personal Umbrella Insurance experts: Stacy Hicks, and Deanna Nickels.