Personal Umbrella Insurance

A Personal Umbrella Insurance policy protects you in a claim when your auto or other personal policy liability limits are exhausted, and you are faced with a lawsuit and potentially millions of dollars in liability exposure.

A million dollars can add up easily, particularly if the injured person suffers injuries that keep him or her from working for weeks, months, or years. The victim of an accident could sue you for medical bills, lost income, even pain and suffering, not to mention damage to their vehicle, and cost for an attorney.  Depending on the extent of the damage and injury, after your personal policy liability limits are exhausted, you are responsible for paying the rest, if you are at fault in an accident, and that could mean financial disaster.

Everlife Insurance Agency can provide the Personal Umbrella Insurance to Protect You and Your Family.

We can provide $1 million or more of Personal Umbrella Insurance protection on top of your personal policy liability coverages–and it is not that expensive.  You can usually buy a personal umbrella insurance policy with $1 million limits for $150 to $300 a year. If you need more than $1 million limits, you can buy each extra $1 million of coverage for $100 to $150.

Why Everlife?

As an independent agency, we work for you! We are not like most insurance agencies, where they can only offer you one brand of insurance. At Everlife Insurance Agency we are not bound to any one company, we shop our top-rated carriers and choose the best plan that is tailored to your needs, that gives you the very best value. We take the time to understand every client’s needs and work hard to provide the best insurance solutions for the best value.

Our agency combines many years of experience with top-rated insurance companies and products to provide personalized service and value to each of our clients. We provide you access to every type of insurance that you may need. Everlife Insurance Agency is your neighborhood agency that will help you understand the many options and select products that are tailored to your needs. We want to make sure that we don’t leave you underinsured.

Our Promise to You

• We are dedicated to making sure you receive extraordinary customer service.
• We will treat you like a person, not a number.
• Whenever you need us, we are there. We give our clients our personal cell phone numbers to reach us when you need us most.
• We are committed to continuing education through certifications and training courses so that we can expand our knowledge and network across the state of Virginia.

Our Core Principles

• Dedication – We are dedicated to educating you about the insurance coverage options that you can choose the option that best fits your needs.
• Integrity – We are very transparent. We want to make sure that you understand the many options and coverages that are available to you.
• Value – We choose the very best quality coverage tailored to fit your needs.
• Inquiry – We pride ourselves on asking great questions and the more information we collect from you, the better advice and service we can give to you. 

Everlife Insurance Agency is a full-service insurance agency providing Commercial Insurance and Personal Insurance services to Virginia. Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote.  Let us do the research and find the best personal umbrella insurance value for you.

 Personal Insurance Coverage for Different Needs

On the right sidebar of this page, you will find links to a number of personal insurance resources.  Click on any of the different personal insurance coverage categories to learn more about specific insurance issues and coverages.   Please call one of our insurance agents at Everlife Insurance Agency for any assistance.

About Carina Thomas

Carina Thomas is a native of Nottoway, Virginia. She hard working business women who passionately gives back and serves the local community. She is the President/CEO of Everlife Insurance Agency Inc. Carina has been helping and assisting families in the insurance and financial industry for the last 10 years. She has her Bachelors in Business Administration and Accounting. She was top 3 at Florida Blue for her health sales and customer service expertise. Her passion is to help further others to their full potential through Insurance and Financial Services.