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When you are looking for an insurance company to provide umbrella coverage for yourself or your business, it's extremely important that you first get an umbrella insurance quote before making any decisions.
An umbrella insurance quote is basically an estimate of how much coverage the company will provide for you, including the rate and deductible. This step is vital because every insurance company offers different rates and options at any given time. You can present the same information to five competing insurance companies, and come away with five different umbrella insurance quotes. If you were to perform the same comparison next month, all the numbers would be different, because rates and company variables change constantly.
To get an umbrella insurance quote, you will need to give the company some key information about your needs. This usually includes your assets (all types of vehicles, your home, real estate of any kind, retirement funds, etc.), risk factors, current insurance policies, your occupation, criminal history, and insurance claim history. The company will process your information and provide an umbrella insurance quote usually within a few days or less.
The umbrella insurance quote isn't a substitute for a contract. It's more like the price tag. Once you find a company that provides an acceptable quote for your individual umbrella insurance needs, you will need to set up an appointment to sign the official paperwork.
