Protect against the
“what ifs” of risk.

Personal Umbrella Insurance

You’ve got liability insurance with your auto and homeowners policies just in case an accident or injury happens and you are involved in a lawsuit. With today’s litigious landscape and high jury awards and settlements, you need extra protection to extend your liability coverage. That additional protection comes with umbrella insurance.

How Does an Umbrella Policy Work

An umbrella policy will kick in and provide additional limits once the amounts on your homeowners or auto insurance have been exhausted. Umbrella limits are purchased in million-dollar increments, with the amount purchased depending on the assets you have at risk.

For example, if you have $300,000 of liability insurance with your homeowners policy and purchase a million-dollar umbrella policy, you would have a total of $1.3 million of limits. If a third party is seriously injured in your house or swimming pool, the umbrella policy will kick in after your homeowners insurance reaches its limits. The same applies to your auto or boat policy.

It’s worth buying an umbrella policy when you look at the cost versus how much additional coverage you’re getting. The last thing you want is to have to pay out of pocket for an accident.

Our staff will review in more detail how the umbrella policy works and how much coverage makes sense for you.