Personal Umbrella Insurance: Extra Protection When You Need It Most

A personal umbrella policy is designed to provide an extra layer of liability protection beyond the limits of your standard home, auto, or boat insurance. It helps cover large or unexpected claims that could otherwise put your financial security at risk.

Why It’s Important:

• Protect Your Assets: If you’re found legally responsible for a serious accident or injury, an umbrella policy can cover the costs that exceed your existing insurance limits, protecting your savings, investments, and future earnings.

• Legal Defense Costs: Even if a lawsuit is groundless, legal fees can be expensive. An umbrella policy often covers defense costs in addition to the liability limit.

• Examples:

  • A visitor is injured in your home and medical expenses exceed your homeowners insurance limits.

  • You’re at fault in a multi-car accident and damages surpass your auto policy limits.

  • A claim of defamation or slander arises from a social media post or personal interaction.

Personal umbrella insurance provides peace of mind, knowing that you have extra protection for life’s unexpected and costly events.