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INSURANCE OPTIONS

Umbrella Insurance

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Extra Protection for Life’s Unexpected Risks

What is Umbrella Insurance?

Personal umbrella insurance provides extra protection for you and your family when your auto or homeowners insurance liability limits are exceeded. Without the right coverage, your assets, home equity, and savings could be at risk from personal injury and property damage claims. By choosing an umbrella insurance policy, you can access up to $5 million in additional liability coverage. This policy helps protect everything you've worked hard for, ensuring you're covered when the unexpected occurs. Whether it’s covering legal fees, medical expenses, or other liabilities, this policy ensures you’re prepared for life’s bigger challenges.

 

Peace of mind is just a policy away.

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Avoid Paying Out of Pocket: Safeguard Your Financial Future if You’re Liable for a Large Claim

Are you protected from the "What Ifs?"

The unexpected can happen to you and sometimes your standard insurance coverage might not be enough to handle the "what ifs." Umbrella insurance steps in to provide an extra layer of protection, covering you against significant liability claims that exceed the limits of your auto or homeowners policies.

What if your dog bites someone on your property?

Umbrella insurance can help cover medical costs and legal fees associated with the incident.

What if you’re sued for defamation or slander?

Umbrella insurance can help cover the legal fees and any settlement costs related to such claims.

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What if you’re involved in a car accident and the damages exceed your auto insurance limit?

Umbrella insurance can provide additional coverage for the costs that go beyond your primary policy.

What if you cause an accident while on vacation and the other party seeks compensation for injuries and damages?

Umbrella insurance extends liability protection to situations that happen outside of your home or auto policies.

What if a guest gets injured in your home and sues for medical expenses?

Your umbrella insurance can cover the legal and medical costs that exceed your homeowners policy.

What if a child is injured while playing on your property and you are found liable?

Umbrella insurance can help cover medical costs and potential legal expenses beyond your homeowner’s policy limits.

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How does umbrella insurance work?

An umbrella insurance policy provides additional coverage beyond your home and auto insurance, protecting you if you're found liable for more than your primary policies can handle. With a personal umbrella insurance policy, you can choose a liability limit that best safeguards your assets, up to $5 million. This extra layer of coverage may include protection for the following:

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  • Personal injury coverage: For claims of libel, slander, defamation of character, and more

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  • Worldwide coverage: For incidents that happen abroad

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  • Vacation rental liability coverage: Protection for accidents involving boats, jet skis, scooters, and other rentals

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  • Defense coverage: For legal fees and court costs

How to get started?

If you're in Tacoma, Pierce County, or the Puget Sound area and need umbrella insurance, Penny Lane Financial can help you find the right coverage at a great price.

Click the button to ask for a free quote.

Looking for more info on umbrella insurance? Explore our blogs
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CONTACT US
ADDRESS
OFFICE HOURS
PHONE
EMAIL

1804 W Union Ave, Suite 202, Tacoma, WA 98405

Monday to Friday

9:00 am - 5:00 pm

253-327-1177

vip@pennylanefinancial.com

You can also visit us; we'd love to meet you.

Find out more about our partner company 

Penny Lane Wealth Management

Penny Lane Financial - Trust and Expertise in Financial Services.

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Important Disclosures

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Equal Housing Lender:
Penny Lane Financial, LLC is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

NMLS Consumer Access:
Our NMLS number is 1905686. WA – MB1905686 AZ – 1034711  You can verify our licensure status and find more information about our company at the NMLS Consumer Access website: https://www.nmlsconsumeraccess.org/ WA – MB1905686 AZ – 1034711

Terms and Conditions:
The loan terms and conditions provided by Penny Lane Financial, LLC are subject to change without notice. All loan approvals are subject to underwriting guidelines and credit approval. Not all applicants will qualify. Interest rates and annual percentage rates (APRs) are based on current market conditions and are subject to change.

Mortgage Loan Information:

  • Loan Types: We offer a variety of mortgage loan options, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and jumbo loans.

  • Interest Rates and APRs: The interest rates and APRs provided on our website are estimates and are subject to change based on market conditions and borrower qualifications. Please contact us for the most current rates.

  • Loan Fees and Costs: Mortgage loans may involve fees, including origination fees, appraisal fees, credit report fees, and other closing costs. These fees will be disclosed to you during the loan process.

Consumer Rights and Responsibilities:
As a borrower, you have the right to receive a Loan Estimate within three business days of submitting a complete loan application. This document provides important details about the loan terms, estimated costs, and other important information. You also have the right to receive a Closing Disclosure at least three business days before your loan closing, which outlines the final terms and costs of your loan.

Homeownership Counseling:
If you are experiencing financial difficulties or have questions about your mortgage loan, you may seek assistance from a HUD-approved housing counseling agency. For a list of HUD-approved counseling agencies, visit the HUD website at https://www.hud.gov/program_offices/housing/nationally_hud_approved_housing_counseling_agenciesdirectory

 

Insurance License:
Penny Lane Financial, LLC holds life, disability, property and casualty insurance licenses in WA and AZ, NPN #17702278. We are committed to providing comprehensive financial services, including insurance products, to meet the diverse needs of our clients. Regulated by Washington State Insurance Commissioner at https://www.insurance.wa.gov/

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Privacy Policy:
We are committed to protecting your privacy and ensuring the security of your personal information. For details on how we collect, use, and safeguard your information, please review our privacy policy here.

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Contact Us:
If you have any questions or need further assistance, please do not hesitate to contact us at 253-327-1177 or email to vip@pennylanefinancial.com.

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Penny Lane Washington

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Penny Lane Financial NMLS #1905686 WA State, NMLS #1034711 AZ State

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