Umbrella Insurance
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Umbrella Insurance
Extra Liability Protection for What Matters Most
Personal umbrella insurance provides an extra layer of liability protection above your existing auto and home insurance policies. It helps cover major claims or lawsuits that exceed the limits of your standard policies, protecting your savings, home, and future income.
In today’s world, accidents happen and legal claims can be costly — even a single incident could put your assets at risk. An umbrella policy is an affordable way to gain broader protection and greater peace of mind.
You don’t have to be a millionaire to be sued like one.
How Umbrella Insurance Works
Umbrella insurance sits on top of your existing liability coverage.
If you’re found legally responsible for injuries or property damage:
- Your home or auto policy pays first.
- If the claim exceeds those limits, your umbrella policy steps in.
This additional coverage can help pay for:
- Bodily injury liability
- Property damage liability
- Legal defense costs
- Attorney fees and court expenses
- Certain personal liability claims such as libel or slander
Without umbrella coverage, you could be responsible for paying the remaining balance out of pocket.
Who Should Consider an Umbrella Policy?
Umbrella insurance is designed for individuals and families who want to protect their assets and future income.
You may want to consider umbrella coverage if you:
- Own a home or rental property
- Have savings, investments, or retirement accounts
- Have teenage drivers in your household
- Frequently host guests at your home
- Own recreational vehicles or boats
- Want additional liability protection beyond standard policy limits
If you have anything to protect, umbrella insurance is worth considering.
Affordable Protection. Powerful Peace of Mind.
Many people assume umbrella insurance is expensive — but it’s often surprisingly affordable. For a relatively low annual premium, you can secure $1 million or more in additional liability protection.
The financial impact of a serious accident or lawsuit can be overwhelming. Umbrella insurance helps ensure one unexpected event doesn’t derail your long-term financial goals.
Let us review your current policies and determine whether an umbrella policy is right for you.
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