Personal Umbrella Insurance
Extra Protection for Life’s Unexpected Moments.
Umbrella Insurance
A personal umbrella policy is the ultimate way to protect your assets and your future. In addition to your standard lines of coverage, a personal umbrella provides an extra level of protection.
A personal umbrella policy covers you when your auto, home or other personal lines insurance policy is exhausted. A personal umbrella policy is a great way to protect yourself from a lawsuit that not only can impact your current assets, but your future earnings as well. Unfortunately, everyone is a target for a lawsuit. The simple fact is that in today’s lawsuit-happy culture, the unfortunate scenario of being sued for damages that exhaust your other policy limits is a real possibility. Ask your agent today about a personal umbrella policy.
What Is Personal Umbrella Insurance?
A personal umbrella policy provides excess liability coverage above the limits of your underlying policies, such as:
- Homeowners insurance
- Auto insurance
- Motorcycle insurance
- Watercraft insurance
- Rental property insurance
If a covered claim exceeds the liability limits of one of these policies, your umbrella policy can provide additional protection — often in increments starting at $1 million.
Why Consider Umbrella Coverage?
Liability risks are everywhere — on the road, at home, online, and even while traveling. A serious accident or lawsuit could put your savings, investments, and future income at risk.
Umbrella insurance may provide protection against:
- Major bodily injury claims
- Significant property damage claims
- Lawsuits resulting from accidents
- Personal injury claims such as libel or slander (if covered by the policy)
For many individuals, umbrella coverage is an affordable way to significantly increase overall liability protection.
Protection That Matches Your Lifestyle
If you own property, have teenage drivers, host guests frequently, serve on nonprofit boards, or simply want additional financial security, umbrella insurance can be an important part of your overall risk management strategy.
Our team will:
- Review your existing liability limits
- Evaluate your overall asset exposure
- Recommend appropriate umbrella limits
- Coordinate coverage with your underlying policies
The Independent Advantage
As an independent agency, we represent multiple highly rated insurance carriers. This allows us to:
- Compare coverage options
- Structure umbrella policies appropriately
- Provide objective guidance
- Ensure proper coordination between policies
We focus on helping you build a complete personal insurance program — not just individual policies.
Protect Your Future
Personal umbrella insurance offers peace of mind in an increasingly litigious environment. For relatively low cost, you can secure substantial additional protection.