McKeone J P Insurance Agency

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OPEN NOW

Today: 9:00 am - 5:00 pm

28 Years

in Business

(734) 662-8100Call Visit WebsiteVisit Website Map & DirectionsDirections5068 Plymouth RdAnn Arbor, MI 48105 Write a ReviewWrite Review

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Mon - Fri:	9:00 am - 5:00 pm

McKeone J P Insurance Agency

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Auto Insurance
Umbrella insurance refers to a liability insurance policy that protects the assets and future income of the policyholder above and beyond the standard limits on their primary policies. It is distinguished from excess insurance in that excess coverage goes into effect only when all underlying policies are totally exhausted, while umbrella is able to “drop down” to fill coverage gaps in underlying policies.[1] Therefore, an umbrella policy can become the primary policy “on the risk” in certain situations. The term “umbrella” refers to how the policy shields the insured’s assets more broadly than primary coverage. Typically, an umbrella policy is pure liability coverage over and above the coverage afforded by the regular policy, and is sold in increments of one million dollars. The term “umbrella” is used because it covers liability claims from all policies underneath it, such as auto insurance and homeowners insurance policies. For example, if the insured carries an auto insurance policy with liability limits of $500,000 and a homeowners insurance policy with a limit of $300,000, then with a million dollar umbrella, the insured’s limits become in effect, $1,500,000 on an auto liability claim and $1,300,000 on a homeowners liability claim. Umbrella insurance provides broad insurance beyond traditional home and auto. It provides additional liability coverage above the limits of homeowner’s, auto, and boat insurance policies. It can also provide coverage for claims that may be excluded by the primary policies.

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General Info: Joseph P. McKeone is the agency principal with over 25 years of experience in the commercial and personal insurance arena. Joe started the agency with business partners in 1994, and in 1996 bought out the partners and renamed the agency. Joe is in the office most days and can be reached by calling the office at Extension 12.
Email: Email Business
Payment method: amex, discover, master card, visa
Other Link: http://www.mckeone.com
Other Email: Email Business
Categories: Homeowners Insurance, Auto Insurance, Business & Commercial Insurance, Insurance, Property & Casualty Insurance
Other Information: Good for Kids: Yes

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Phone: (734) 662-8100

Address: 5068 Plymouth Rd, Ann Arbor, MI 48105

Website: http://www.mckeone.com

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McKeone J P Insurance Agency

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McKeone J P Insurance Agency