Sine Insurance Group provides personal insurance services to St. Louis, Missouri residents. Our longstanding success can be attributed to superior customer service, excellent insurance products and competitive pricing.

We go the extra mile for our customers to add a personal touch to their experience. We take the time to review each individual circumstance and evaluate proper coverages to protect each client. This means looking beyond basic coverages such as homeowners and car insurance to fill any gaps that may exist.

Call Experts to Fill the Gaps

When evaluating the coverage amounts and extent of your insurance, we may recommend adding coverage to existing policies or purchasing another policy for greater protection such as with personal umbrella insurance. A personal umbrella policy is especially valuable for those who need more liability coverage in the event of a catastrophic loss. Specific exposures can add to liability risks such as having a pool, a boat, or teenager drivers in the household. One accident or injury where you are found responsible can use up the liability limits you have on your primary policies. Then what? You would be held responsible to make up the difference.

For instance, a personal umbrella policy will kick in after your standard auto insurance policy limits were exhausted in an accident where you were found responsible. Let’s say you have a $100,000 limit on your auto policy, but the judgment in the suit is for $1 million because of the extent of the injuries to the other driver. Your auto policy would pay the $100,000 and $1 million umbrella policy would kick in the rest.

At Sine Insurance Group, our priority is always our client, working to protect your personal assets to the fullest.