Patrick McNealis Insurance and Financial Group

111 E Harrison St Suite 1,
Emmaus, PA 18049

Get Directions

Umbrella Insurance in Pennsylvania


Insurance is an important product because it gives people the peace of mind of knowing that expenses that come up in the event of an accident will be covered. A standard auto or home insurance policy isn't enough for many people because standard policies often have gaps in coverage that could leave individuals dealing with significant expenses out-of-pocket when an accident occurs. At Patrick McNealis Insurance and Financial Group, we provide umbrella insurance for consumers who want added coverage.

Umbrella insurance is designed to offer additional liability insurance coverage. There is no guarantee that an accident will not cost more than the coverage limits of a typical insurance policy. Umbrella insurance, therefore, offers more security and often offers added coverage like for expenses resulting from this like vandalism, libel, and privacy invasion.

There are numerous requirements to be aware of that go along with having umbrella insurance in Pennsylvania. When it comes to auto insurance, the insured individual must have standard liability coverage in addition to the umbrella insurance to stay legal. An umbrella policy will typically supplement coverage for amounts beginning at $1,000,000. This means that umbrella insurance is meant to cover the policyholder in disastrous situations where expenses rise very high.

Umbrella insurance policies in Emmaus, PA and elsewhere in the state of Pennsylvania usually involve a deductible that needs to be paid before the umbrella coverage will kick in. Those who are most likely to benefit from umbrella insurance include those who have risky activities occurring on their properties like swimming, ownership of certain risky dog breeds like pit bulls, or ATV or dirt bike riding.

If you'd like to learn more about the umbrella insurance policies available in Pennsylvania from Patrick McNealis Insurance and Financial Group, get in touch with us with your inquiries and questions. We offer umbrella insurance not only in Emmaus but also in Bethlehem, PA, and Nazareth, PA.

Our Partners


  • Donegal
  • Liberty Mutual
  • Lititz Mutual
  • Merchants
  • MetLife
  • National General
  • Nationwide
  • Philadelphia
  • Progressive
  • Safeco
  • State Auto
  • The Hartford