Umbrella Insurance

Are you as protected as you think you are? Maximum coverage levels on a policy in South Dakota can be exceeded before you realize it. At Kotten Insurance, we can provide guidance with umbrella insurance to offer you more financial protection.

What is umbrella insurance?

An umbrella insurance policy is a way of taking care of all of your other policies. Think about it just like a real umbrella—it opens up to protect you. When a major accident occurs, you can rely on an umbrella policy to protect all sorts of liability limits including:

  • Home
  • Auto
  • Boat
  • RV
  • Commercial

If you exceed the property damage liability limits on your auto insurance, for example, you could be financially responsible for the remainder. However, if you have umbrella coverage, it is used to cover the balance. It can be the difference between bankruptcy and being able to recover quickly, financially speaking.

With the help of our agents, we can guide you through the laws of the state and show you what’s needed to protect yourself financially. It can be just what you need to get plenty of coverage.

How to Be Better Protected

You need to be sure that you have the financial protection that you think you do. Although you may have built all of your policies to assume that you have plenty of coverage, what about when the unthinkable happens? You can choose residential and commercial umbrella policies so that you have more protection.

Our agents will review your policies, make recommendations for added coverage with an umbrella policy, and even look at bundling policies as a way to save you money. We’re here to provide you with peace of mind knowing that if an accident happens, you have plenty of insurance coverage to recover as quickly as possible.

Call us at Kotten Insurance today to find out more about how an umbrella insurance policy can help you in South Dakota.