Contact Us

See What Our Customers Are Saying

“Brett is a guy who genuinely cares for his clients, and wants to help them as much as he can. He’s honest and upfront, and not about just selling you a policy that is basic. He takes the time to get to know you and will craft coverage that fits you and your family the best way! I cannot recommend him enough! Hard to find someone these days who believes in the level of service he does! You won’t be disappointed!”

Heather R.

“Brett Mehl is great to work with! He was very responsive and worked hard to get us the best coverage! He is responsive and always answers the phone. We highly recommend him”

David C.

“Brett is awesome! Would recommend anyone that is currently searching for an agent to give Brett Mehl a call.”

Michael F.

As a rule and culture of Leisure Insurance Group, we highly recommend all homeowners and business owners purchase an Umbrella policy.

Umbrella insurance is a type of insurance policy that provides an additional layer of protection beyond the limits of an individual’s primary insurance policies. It is designed to offer additional coverage for claims that may exceed the limits of an individual’s home, auto, or watercraft insurance policies. The policyholder pays a premium to the insurance company, and in exchange, the company agrees to pay for certain types of losses or damages that may occur. Umbrella insurance typically includes several types of coverage:

• Liability coverage: This is the most common type of coverage provided by umbrella insurance. It covers the policyholder’s legal responsibility for injuries or damages that they cause to another person or their property. This coverage can help pay for expenses such as medical bills, legal fees, and settlements that may exceed the limits of the policyholder’s primary insurance policies.
• Personal injury coverage: This type of coverage helps pay for expenses related to defamation of character, wrongful eviction or wrongful entry, or invasion of privacy.
• Additional living expenses: This coverage helps pay for additional living expenses if the policyholder’s home becomes uninhabitable due to a covered loss.
• World wide coverage: Umbrella insurance will cover the policyholder anywhere in the world, not just in the US.

Umbrella insurance is not required by law, but it is highly recommended for individuals who have assets to protect. The coverage limits of primary insurance policies can be quite low, and if a claim exceeds those limits, the policyholder could be held financially responsible for the remaining amount. Umbrella insurance can help protect against this risk by providing additional coverage that kicks in when the limits of a primary policy have been reached.

Umbrella insurance policies typically have higher coverage limits than primary policies, and the policyholder can choose a coverage limit that fits their needs and budget. The cost of the policy is determined by the coverage limit chosen and other factors, such as the policyholder’s claims history and credit score.

In conclusion, Umbrella insurance is a type of insurance policy that provides an additional layer of protection beyond the limits of an individual’s primary insurance policies. It is designed to offer additional coverage for claims that may exceed the limits of an individual’s home, auto, or watercraft insurance policies. It is not required by law, but it is highly recommended for individuals who have assets to protect. Umbrella insurance can help protect against the financial risk

Some people may think they don’t need an umbrella insurance policy because they believe their standard homeowners or auto insurance policy provides enough coverage. They may also think that they have a low risk of being sued or that they have enough assets to cover any potential lawsuit.

Additionally, some people may believe that umbrella insurance is too expensive or that they don’t need the extra coverage because they don’t have many assets to protect. Another reason some people may opt out of umbrella insurance is that they don’t think they would ever be in a situation where they would need it. They may think that they are too cautious or that the likelihood of a lawsuit is low.

It’s important to note that umbrella insurance provides an extra layer of protection, which can be especially important for people who have significant assets or a high risk of being sued. Umbrella insurance can also provide coverage for situations that are not covered by standard homeowners or auto insurance policies, such as defamation or invasion of privacy.

The limits of an umbrella insurance policy refer to the maximum amount of coverage the policy will provide in the event of a covered loss. The limits of umbrella insurance policies can vary widely, but they typically start at $1 million and can go up to $10 million or more.

The limit of an umbrella policy is in addition to the liability limits of the underlying policies such as homeowners and auto insurance. For example, if you have a $300,000 liability limit on your homeowners insurance and a $1 million umbrella policy, your total liability coverage would be $1.3 million.

It is important to note that umbrella insurance policies typically have a retention or self-insured retention (SIR) which is the amount of money that policyholder needs to pay before the insurance kicks in. This retention amount is usually a few thousand dollars and it’s subtracted from the policy limits.

When considering purchasing an umbrella insurance policy, it’s important to evaluate your assets and potential liability exposures, and to determine the amount of coverage you need to fully protect yourself. It’s also a good idea to consult with an insurance professional to determine the appropriate coverage limit for your unique circumstances.

The frequency of accessing an umbrella insurance policy can vary widely, as it depends on the specific circumstances of the policyholder. Some people may never need to use their umbrella insurance policy, while others may need to access it multiple times.

Umbrella insurance policies are designed to provide an extra layer of protection in the event of a covered loss that exceeds the limits of the policyholder’s underlying insurance policies, such as homeowners or auto insurance. These types of claims are typically infrequent, but when they do occur, they can be significant.