North Carolina Umbrella Insurance

We've Got You Covered

Nobody wants or expects to be sued. But if you are held personally accountable and legally liable for certain injuries or property damage, we can help you be prepared. With North Carolina Personal Umbrella Liability (PUL) insurance from First Pioneer Insurance Agency you can give yourself the extra coverage you need. We have been providing professional, personal service from our three locations in North Carolina for more than 30 years. And we use our experience to help you choose a policy that is right for you and your family.

A NC umbrella insurance policy complements and expands the coverage and limits of your present auto insurance, homeowners insurance, and other primary policies you own.

Just by owning a home, operating a motor vehicle, keeping pets or possessing a boat or other recreational items, we could become the targets of legal action and face potentially huge judgments -- in addition to high legal defense costs.

Did You Know?

Here are a few ways that homeowners have exposed themselves to lawsuits and costly verdicts:

An 8-year-old boy suffers permanent injuries to his arm and hand while playing in a friend's yard and being lifted over a fence to retrieve a ball. The verdict against the homeowner totaled over $1,200,000.

While switching lanes, a driver fails to see another vehicle, causing an accident and severe injuries to a young girl. The verdict against the driver was $9,500,000.

These are actual scenarios and judgments you could face if your insurance coverage limits do not cover the judgments. Without North Carolina umbrella insurance any costs past your limits would fall on you. With an NC umbrella insurance policy however you would not have to worry about where you would find that extra cash because the umbrella insurance policy would kick in so that you would likely be left with nothing left to pay out of your pocket.

We Are Looking Out For You

Today, the courts are awarding larger amounts than ever before in personal liability cases. The best way to be ready is with a North Carolina umbrella insurance policy. But it also helps to understand some of the reasons a person could sue. You could be legally liable for a number of things, including:

  • Auto Ownership - Car accidents, despite contributing factors such as weather, unfamiliar roads, or driver experience.
  • Home Ownership - Accidental falls on your property, swimming pool accidents, or home playground mishaps.
  • Personal Activities - Libel and slander or invasion of privacy.

Your North Carolina Umbrella Insurance Specialists

At First Pioneer Insurance we have provided personal umbrella protection for residence of North Carolina since 1980. We know how to protect your assets and can help advise so that you can too! An experienced insurance professional from our three NC locations in Aberdeen, Asheboro and Boone is ready to serve you and help show you how a small cost can provide you with comprehensive protection.

Accidents can happen and with NC personal umbrella insurance, you do not have to worry about whether you are properly protected or not. Take out an umbrella today!

Complete the Free NC Umbrella Insurance Quote Request form today for a no-obligation umbrella protection quote.