You don’t have to be a millionaire to be sued like one. Million-dollar judgments against individuals for negligence are still relatively rare. However, receiving a lawsuit with a million-dollar demand is more common. If you receive such a court summons and you have only $100,000 of coverage, you may lose a lot of sleep.
Umbrella policies offer inexpensive “peace of mind” for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million-dollar layers of protection. It also covers other types of catastrophic claims such as a neighbor’s child drowning in your pool or the delivery man being seriously injured by falling over your child’s toys.
"I have been a customer of Yorktown Heights insurance for about 3 years with Bonnie. I refer to Yorktown Heights Insurance as Bonnie because to me they are more than just your average insurance company. When you sign up with YHIA you become part of their family. I have had 5 different insurance companies in the past and never have I felt the comfort and family invitation of an insurance company like theirs before."–Robert Madsen, All Season Tree Care
"Bonnie truly understands my families needs and the insurance industry. We have developed a strong relationship with YHIA and know we can trust them to guide us in the right direction. YHIA handles all my families insurance needs and provides the necessary advice and services to help us save money."–Paul Nolan, Yorktown Heights