Personal Umbrella Insurance

You’ve insured your car and your home. If the unexpected should occur, make sure you are protected. A personal umbrella insurance policy offers an extra layer of liability protection for your assets if there’s a serious auto accident or accident on your property. Otherwise, you could be liable for more than your current auto or homeowner’s coverage limits.

Make sure you have the right insurance coverage for any unexpected emergency.

Our team of licensed expert agents have the solutions to all of your insurance needs.

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How personal umbrella insurance coverage works

Consider this scenario:

  • Your home insurance provides $700,000 of liability coverage.
  • A serious accident occurs on your property, and you’re sued for $1.7 million resulting in a judgment against you.
  • Your insurance would pay up to $700,000 for a covered accident, but you would need to come up with the remaining $1 million.
  • If you had $2 million of coverage under an umbrella insurance policy, you would not need to liquidate your assets to pay the remaining $1 million in this example.

Personal liability insurance helps protect your wages, house, investments, cars, and boats from being at risk if a serious accident occurs. Talk to an agent to find out what the best level of coverage is for your situation.
Insurance terms, definitions, and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies, or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

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