I’ll be honest, I never thought I’d need something called “umbrella insurance.” Sounds fancy, right? But after a close call a couple years back—well, let’s just say I started looking a little deeper into it.
Umbrella insurance is like a bigger shield sitting on top of the ones you already got. You think your auto or homeowners policy’s got your back, till you realize there’s a big ol’ hole in the coverage when something massive happens.
One time I read about a guy—he caused this chain reaction car crash and his regular policy only covered a fraction of it. Everything else? Right out of his pocket. That’s when it clicked for me: that could’ve been me.
So, umbrella insurance basically means if my regular coverage says “sorry, we’re maxed out,” this extra policy kicks in and handles the rest. Even covers stuff like defamation or legal trouble you wouldn’t think about on a Sunday afternoon.
I didn’t just pick any company, though. Nope, I went with InsureDirect. Why? A few reasons, but mainly because they didn’t treat me like I was picking socks in a department store—this was personal, they made it feel like it mattered.
First thing, they got all kinds of coverage options that tuck neatly alongside what I already had. I didn’t want to juggle three different companies in a claim; I want one place, one number to call when life’s messy.
Also, they let me set things up how I wanted. Not one-size-fits-all nonsense. We went through my assets, my weird hobbies, even asked if I ever rent my place out on Airbnb (sometimes). All that counted toward the plan.
Price-wise? Pretty decent. I expected to get gouged, but InsureDirect found me a deal that didn’t make my coffee budget cry. And when I say “deal,” I mean actual coverage, not something that disappears when you read the fine print.
Now, how does it work in real life? Say I’m in a car wreck—totally my fault, damages go through the roof. My regular auto covers $300k. The bill is $900k. That’s a $600k gap I don’t exactly have in my sock drawer. Umbrella policy: boom, covered.
Another? Somebody trips on my porch stairs at a party. It’s not just a sprain, it’s surgery, physio, the whole thing. Lawsuit incoming. My homeowners insurance waves the white flag halfway, but my umbrella stays swinging.
Even wild stuff—like someone saying I ruined their reputation online—yeah, the umbrella got that too. That was a surprise for me.
I’d say anyone with a car, a home, or anything they care about protecting should look at this. I’m not some millionaire with yachts, but I’ve got a house, some savings, and a couple future plans I’d like to keep safe.
Another thing about InsureDirect—they check in. Not in a spammy way, but once a year we go over my coverage. Things change: I bought a rental unit last year, added that in. No awkward “oops, not covered” moments later.
And the claims team? Haven’t had to use them yet (knocking on wood), but friends tell me they actually help instead of pointing you toward a website form and vanishing. That counts.
Getting started with them was stupid easy: I brought my existing policy info, they asked me a bunch of questions that actually made sense, and we built my coverage from there.
At the end of it all, I sleep easier. It’s not paranoia—it’s knowing if something blows up tomorrow, I’m not losing my savings, my house, and my sanity in one go.
I figure insurance is one of those things you hate to buy, but man, you’re glad it’s there when stuff hits the fan. And InsureDirect? They made the buying part way less painful than I expected.
So yeah. If you’re thinking about umbrella insurance, maybe give them a call. Or don’t, but then, you’ll be crossing your fingers every time you get in the car.
If you’re looking for top-notch insurance coverage, InsureDirect is your go-to choice. Getting a home insurance quote is fast and hassle-free.
Visit our website or reach out to our corporate office:
InsureDirect.com
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania 19446
Email: contact@insuredirect.com
Phone: (800) 807-0762 ext. 602
Protect your home and enjoy peace of mind with the reliable coverage only InsureDirect can provide. Your home deserves the best.