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MTC Insurance Agency Group

3318 Bridgeport Way W
Suite D-7
University Place, WA 98466

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Umbrella Insurance

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Umbrella Insurance in Washington State

Umbrella insurance encompasses a broad range of coverage, with the policy designed to protect you beyond the existing limits of underlying policies. Due to this, residents within Washington can benefit from a diverse range of liability coverage from lawsuits, injuries, and property damage. If you are searching for umbrella protection within Washington, the following MTC Insurance Agency Group guide will be a smart place to start.

How Does Umbrella Insurance Protect You?

Injury Protection

Expenses from bodily injury can often be significant, with coverage such as auto, boat, and home often getting exhausted. If this happens, umbrella insurance will provide compensation for hospital bills. Instances that may give rise to these include motorboat accidents, auto accidents, pet bites, and trips and falls within the home.

Rental Unit Claims

If you have rental property and face negligent claims due to faulty structures, umbrella insurance will compensate you for the injury costs. If you are also sued for this, it will come in handy in helping you pay the legal fees and damages. Examples of instances that could result in this include pet bites from a tenant's dog and falls in external spaces of your rentals.

Property Damage Protection

If you damage other people's property, this policy will come in handy in helping you pay for the repair costs when other covers are limited. This may occur when you drive into other people's vehicles, when guests' property gets destroyed in your home or when you destroy fences and buildings during auto accidents. It covers the repair and replacement costs where needed.

General Claims

You may occasionally encounter claims such as slander and libel during your everyday activities, resulting in legal fees and significant damages awarded by the court. If this happens, umbrella insurance will provide compensation for these costs. Other claims covered by umbrella insurance include false arrest, mental anguish, and malicious prosecution.

Whether you need to protect yourself from unexpected claims or keep your assets secure, contact MTC Insurance Agency Group in University Place, WA for a policy suited to your needs.

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Testimonials

MTC did a great job of reviewing my existing insurance policies and finding me new replacement insurance that offered more complete coverage at a substantially lower price.

- Steve Stovall

I was brainwashed with inaccurate information that led me to believe that buying PIP and UIM coverages on policies was no advantage and were not financially necessary. My reluctance to add these to my vehicle policies was heard by the producers. They spent countless time answering all my questions and objections. They assisted me in appreciating the significance of these policy coverages. More importantly they educated me on the financial significance and the financial perils I could face if they were not part of my policy.

- Dion Anderson

Being from South Dakota I never realized the importance of buying earthquake insurance to protect my home in the state of Washington. My producer, Pam Thiemann, explained and educated me about its importance.

- Carol Bensen

Throughout the years Encompass Insurance Company has been the carrier for my insurance. My new producer had access to the company, so I could stay with them. She provided me stellar one-to-one customer service that I did not get from the previous brokerage house. She did a complete review of my policies and immediately identified that I didn’t have a high enough liability for my RV. I had never been told this before and my producer took care of it promptly. I appreciate her.

- Roger Holman

Excellent service is hard to find. I found it many years ago with mike Carney. We own a business, not an easy entity to insure. There are employees, equipment, customers, and a million other considerations. We also have home and auto coverage with Mike. He researches the many policies he has available and finds the one that meets our needs and budget. He checks in at least once a year to make sure there has not been any changes or problems. He is a true professional and a pleasure to know. I trust him implicitly. A rare quality in today’s world.

- Denise Kennedy

I have used MTC Insurance as the solution to my insurance needs for the last 25+ years. Mike Carney and his team always have time for my sometimes crazy questions and always has or will find the correct answer. He has as much if not more professionalism than anyone else in the business.

Carney will not just look for your best rates, but the best coverage for that rate and always give you options. He is not the typical take it or leave it insurance agent. Mike will take it upon himself to find you a better policy when he notices that your rates are getting too high. Any other agent I have worked with only reacts to inquiries and complaints. Mike Carney has always been proactive in protecting your interest.

I have shopped out his policies at different times only to find that he is still the best overall deal in the business.

- Joel V.