Q: I know umbrella insurance is sometimes necessary for coverage gaps, but how do I know if it is necessary? Does Keystone National offer umbrella coverage?

A: As with any coverage questions, we suggest you go right to your independent agent for the answers. If he or she can’t tell you right away, the agent’s easy access to one of our in-house underwriters will give you the answer you seek quickly.  Umbrella coverage is offered under all our major lines of coverage— your home, your business and your farm. Our commercial umbrella covers over and above the retained limit of your policy and is essentially a protection against catastrophic loss. Our personal umbrella serves a similar purpose covering net losses beyond the limit of your primary policy that are not business-related.

Did You Know?

You are not covered by water seepage into your basement with a typical homeowner’s policy (HO-3) and, if it is not related to flooding, you will not be covered by flood insurance. This is generally regarded as a maintenance issue that would require specialty coverage.  (Insurance Information Institute)