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Featured Daniel Carinci Agency, LLC Blog

How much umbrella insurance do I need?

Figuring out how much umbrella insurance you need in Pittsburgh, PA can be tricky. You don’t want to spend too much on coverage that you don’t need, but you also don’t want to be caught without enough coverage if something catastrophic happens. Here are some tips from Daniel Carinici Agency LLC:

How Much Coverage Do I Need?

Pennsylvania generally requires a minimum of $50,000 in umbrella insurance coverage. However, you may want to consider carrying even more than the minimum required amount.

The general rule of thumb is that you should have umbrella insurance that covers at least the amount of your assets. This way, if you are sued and found liable for an accident or incident, your personal assets will be protected.

Of course, every situation is different, and there are other factors to consider when deciding how much umbrella insurance to carry. For example, if you are employed in a high-risk profession such as healthcare or law, you may want to consider carrying more umbrella insurance than someone with a lower-risk job.

How Do I Choose an Umbrella Insurance Policy?

Now that you know the rule of thumb for how much umbrella insurance you should carry, it’s time to start shopping for a policy. When comparing policies, be sure to pay attention to the details to get the coverage you need at a price you can afford. Some things to look for include:

  • The amount of coverage offered
  • The deductible
  • Any limitations or exclusions

Contact Us Today

The bottom line is that everyone’s situation in Pittsburgh, PA is different and there is no one-size-fits-all answer. Contact Daniel Carinici Agency LLC today. We can answer your questions and get you the coverage you need.

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Testimonials

Daniel Carinci Agency, LLC
4.8 out of 5 stars
64 reviews
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RG Electric LLC
RG Electric LLC
4 months ago

Amazing service and will highly recommend.

Mike Rafaloski
Mike Rafaloski
a year ago

These guys are amazing. Dan and Jamie have been great to work with while finding me home/auto insurance. I had no clue that my home was under insured on my previous policy. My new policy coverage is almost triple covered at a less premium. I'm happy I decided to give them a chance. They went above and beyond.

Caseybowser1
Caseybowser1
a year ago

Very fast and helpful when no one else was. Highly Recommended.

Megan layhew
Megan layhew
a year ago

This agency has been more than an insurance company but more as MY family! They have been there for years for everything along the way from new cars to homes to life insurance. This group means the most to me and my family and I would recommend them to anyone in the market or who isn’t a part of this nationwide group!

Partner Carriers

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  • Frederick Mutual
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  • ICW
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