Katie Pullen Agency: Personal Umbrella Insurance
Personal Umbrella Insurance with Katie Pullen Agency: Allstate Insurance
Life has a way of throwing curveballs. You work hard to protect your family, your home, your car, and your future—but sometimes, accidents and unexpected events happen that go beyond the limits of your standard insurance coverage. That’s where a Personal Umbrella policy can step in.
At Katie Pullen Agency: Allstate Insurance, we believe in going the extra mile to protect what matters most to you. A Personal Umbrella policy isn’t just another insurance product—it’s peace of mind that follows you wherever life takes you.
What is Personal Umbrella Insurance?
Think of a Personal Umbrella policy as an extra layer of protection on top of your existing coverage. Your home insurance, auto insurance, or boat insurance already provide liability protection—but what if you’re sued for damages that exceed those limits? That’s when a Personal Umbrella policy steps in.
It’s called “umbrella” for a reason—it covers you over and above your other policies. Whether it’s a major car accident, a slip-and-fall on your property, or even a legal case involving libel or slander, a Personal Umbrella policy gives you that added cushion of protection.
Example: Let’s say you’re in a car accident and found responsible for $500,000 in damages, but your auto policy only covers $300,000. Without an umbrella policy, you’d be personally responsible for the remaining $200,000. With a Personal Umbrella from Katie Pullen Agency, that gap is covered.
Why Personal Umbrella Insurance Matters
Many people think umbrella insurance is only for the wealthy—but that couldn’t be further from the truth. Everyday families can face lawsuits that go beyond their standard coverage. Here’s why it matters:
Covers Large Claims – Protects you from high-cost lawsuits.
Extends Liability Protection – Goes beyond home and auto limits.
Affordable Coverage – Policies can start as low as a few dollars a day.
Protects Future Assets – Safeguards your savings, retirement funds, and future earnings.
At Katie Pullen Agency: Allstate Insurance, we’ve seen how one unexpected incident can create financial stress. A Personal Umbrella policy gives you an extra layer of security so you can focus on living your life, not worrying about “what ifs.”
What Does a Personal Umbrella Policy Cover?
Here’s a quick breakdown of what a Personal Umbrella policy typically covers:
Bodily Injury Liability – Medical costs or lawsuits if you’re responsible for injuries.
Property Damage Liability – Repairs or replacement costs for damaged property.
Legal Fees – Attorney costs if you’re sued.
Personal Injury – Coverage for claims of slander, libel, or false arrest.
Worldwide Coverage – Many policies cover incidents even outside the U.S.
At Katie Pullen Agency, we’ll help you customize your coverage so you know exactly what’s included.
Who Needs a Personal Umbrella Policy?
You might be wondering—do I really need a Personal Umbrella? The truth is, almost everyone can benefit from it. You should strongly consider a Personal Umbrella policy if you:
Own a home or rental property
Have teenage drivers in your household
Host gatherings at your home
Own recreational vehicles (boats, motorcycles, ATVs)
Have significant savings or assets
Want peace of mind against unexpected lawsuits
Even if you don’t consider yourself “wealthy,” lawsuits can easily run into hundreds of thousands of dollars. Katie Pullen Agency helps everyday families just like yours find affordable ways to stay protected.
Why Choose Katie Pullen Agency: Allstate Insurance
At Katie Pullen Agency, we know that insurance can feel overwhelming at times. That’s why we take the time to get to know you, your family, and your goals. We don’t just sell policies—we build relationships.
Here’s what sets us apart:
Personalized Service – We’ll walk you through your options in plain language.
Trusted Expertise – Backed by Allstate Insurance, a name families have trusted for decades.
Local Connection – Proudly serving the Newark, NY community and beyond.
Comprehensive Coverage – From auto and home to Personal Umbrella, we’ve got you covered.
Our goal is simple: to help you feel confident that you’re protected no matter what life brings.
🔗 Helpful Resources on Personal Umbrella Insurance
Key Takeaways
A Personal Umbrella policy adds an extra layer of liability protection beyond home, auto, or other coverages.
It’s not just for the wealthy—everyday families can benefit from the security it provides.
Coverage typically includes bodily injury, property damage, legal fees, and personal injury claims.
Policies are surprisingly affordable, often starting at just a few hundred dollars a year.
Working with Katie Pullen Agency: Allstate Insurance ensures you get personalized, trusted guidance.
Ready to Protect Your Future?
Life is unpredictable—but your protection doesn’t have to be. With a Personal Umbrella policy from Katie Pullen Agency: Allstate Insurance, you can feel confident knowing you have an extra layer of security for life’s unexpected moments.
📞 Contact us today at +1 (315)-331-3924
📍 Visit us at 119 E Union St, Newark, NY
📧 Email us at [email protected]
Your peace of mind is just a conversation away. Let’s make sure you’re covered—because when it rains, you’ll want the best umbrella.
