policy holder icon Policyholder Login

Personal Umbrella Insurance

Get Above and Beyond Coverage with Personal Umbrella Insurance

In today’s litigious society, courtroom awards are growing larger and larger. A simple accident could result in you being held liable for damages not covered by your existing homeowners insurance policy. A personal liability umbrella insurance policy can give you additional liability protection without a large additional expense. Discuss these important coverages with us or your licensed insurance agent to guarantee you have the right amount of liability.

What is an umbrella policy?

Personal Umbrella Insurance provides an additional liability limit over your personal insurance policies covering your auto, home, vessel etc. It may also cover some gaps in your underlying policies.

How much umbrella insurance do you need?

Having more coverage than you have assets is always a positive. Understanding your risk, your existing policies and the gap that it covers will help you decide what you need. Working with us or a licensed agent can help you do that.

Why is an umbrella policy important?

Most standard policies only provide minimal liability limits. In the event you are liable for damages, those underlying limits can quickly be exhausted with medical bills alone.

Note that if a judgment is declared against you for more than your underlying coverage provides and you don’t have Personal Umbrella Insurance, you will end up paying any excess amount out of your assets and/or wages.