Personal Umbrella Insurance
Personal umbrella insurance provides extra liability protection beyond the limits of your auto and homeowners insurance.
Personal Umbrella Insurance
Personal umbrella insurance provides extra liability protection beyond the limits of your auto and homeowners insurance.
About Umbrella Insurance
Get an Umbrella Insurance Quote
About Personal Umbrella Insurance
Personal umbrella insurance helps protect your financial future when a serious accident or lawsuit exceeds the liability limits of your existing policies. This type of coverage is designed to provide an additional layer of protection once the limits of policies such as auto or homeowners insurance have been exhausted.
Umbrella liability coverage can help safeguard your assets and income from the financial impact of unexpected events involving property damage or bodily injury for which you are held responsible.
How Does a Personal Umbrella Policy Work?
A personal umbrella policy generally takes effect after the liability limits of your underlying insurance—such as auto, homeowners, or renters insurance—have been reached. Once those limits are exhausted, umbrella coverage can help pay for additional costs, including legal fees, medical expenses, and settlement amounts.
Examples of How Personal Umbrella Insurance Can Help:
Auto Accident Liability
If a family member causes a serious auto accident that results in significant injuries, the costs of medical care and lost income may exceed your auto insurance limits. A personal umbrella policy can help cover the remaining expenses.Guest Injury on Your Property
If a guest is injured at your home and requires extensive medical treatment or rehabilitation, the liability limits of your homeowners insurance may not be enough. Umbrella insurance can help cover additional medical and legal costs.Slip-and-Fall Liability
If someone is injured in your home due to an accident and is unable to work for an extended period, umbrella coverage can help address expenses beyond what your homeowners policy provides.Property Damage to Others
If an accident in your home or apartment causes significant damage to another person’s property, umbrella insurance can help cover costs that exceed your renters or homeowners insurance limits.
Do I Need Personal Umbrella Insurance?
Personal umbrella insurance is often recommended for individuals with higher liability exposure, such as homeowners, drivers, landlords, or families with significant assets to protect. While not required, umbrella coverage can provide valuable peace of mind by reducing the financial risk associated with major claims or lawsuits.
Get an Umbrella Insurance Quote
Talk with a local agent to find the right coverage for your business.