Many people are unsure what an Umbrella policy is or what it covers. Kohler Green Insurance Agency is here to help. We will explain the basics of Umbrella Insurance and the benefits to you. When you are outside and there is a light rain or breeze you generally don’t need or want an umbrella. However, if it is pouring down rain with high winds, you take your Umbrella. An Umbrella Insurance policy works much the same way.

Umbrella Insurance provides extra protection or limits above the liability insurance you currently have. Just as an umbrella protects you from heavy rain, an Umbrella Insurance policy protects you from losing the entirety of your wealth and assets in the event of a claim.

 The term "Umbrella" is used because it covers liability claims from all policies underneath it, such as homeowners insurance and auto insurance policies. For example, if you have an auto insurance policy with liability limits of $500,000 and a homeowner’s insurance policy with a limit of $300,000; with a million dollar Umbrella, the insured's limits become in effect, $1,500,000 on an auto liability claim and $1,300,000 on a homeowners liability claim.

It is true that Umbrella Insurance may not be for everyone, but if you are building financial resources for your future, are a professional, own your home, boat or recreation vehicle, you should consider an Umbrella Insurance policy. Insurance offers Umbrella Insurance with very competitive rates. Having the added protection of an Umbrella Insurance policy is coverage no one should go without.

Umbrella insurance provides broad insurance beyond traditional home and auto. It provides additional liability coverage above the limits of homeowner's, auto, and boat insurance policies. It can also provide coverage for claims that may be excluded by the primary policies.

The Agents of Kohler and Green are proven professionals - caring and conscientious people who earn your trust. We are the kind of people you can depend on, and have made a commitment and maintain a high standard of excellence in all that we do. Our clients enjoy a solid relationship of mutual trust. Serving Fort Smith, Little Rock, Springdale, Fayetteville, Jonesboro, Roger and Tulsa