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Personal Umbrella Insurance

Don't leave any aspect of your financial well-being to chance; protect yourself with the right insurance coverage for all your needs.

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Personal Umbrella Insurance

Life is unpredictable, and sometimes accidents or lawsuits can lead to financial losses that exceed the limits of your standard insurance policies. Personal Umbrella Insurance provides an extra layer of liability protection, giving you peace of mind and safeguarding your assets.

What is Personal Umbrella Insurance?

A Personal Umbrella policy sits on top of your existing home, auto, or boat insurance policies. It provides additional coverage when the liability limits of your primary policies are reached. This can be especially important for individuals with significant assets, rental properties, or higher risk exposure.

What Does It Cover?

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Bodily injury liability

Covers medical expenses, legal fees, and damages if you're found responsible for an accident that causes injury to someone else.
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Property damage liability

Covers the costs of repairing or replacing someone else's property if you're found responsible for damaging it.
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Personal liability

Covers lawsuits arising from defamation, libel, or slander.

Some policies may also provide coverage for incidents like:

  • Legal defense costs in covered lawsuits

  • Accidents involving rented properties you own

  • Certain claims that may exceed standard liability limits

Important note: Umbrella policies usually do not cover intentional acts, business liabilities, or professional services—so it’s essential to understand policy exclusions.

Why You Need It

Even with robust home and auto insurance, lawsuits or serious accidents can quickly exceed standard coverage limits. Umbrella insurance helps protect your savings, investments, and future earnings from unexpected financial loss. It’s a smart option for:

  • Homeowners with valuable property

  • People with multiple vehicles or rental properties

  • Anyone looking for extra peace of mind against major liability risks

Choosing the Right Policy

  • Coverage limits: Typically range from $1 million to $5 million, depending on your needs.

  • Deductibles: Usually lower than primary policies, but check details.

  • Policy integration: Works alongside your existing auto, home, or boat policies to extend liability coverage.

Our experienced agents can help assess your risk exposure and determine the appropriate coverage limit, ensuring your personal assets are protected without unnecessary costs.

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