Personal Umbrella Insurance

What is personal umbrella insurance?

Home and auto insurance policies are an important stepping stone in your financial future and are a great way to protect your personal assets. However, there are limits to their protection and you can select the amount of coverage want. Unfortunately, these insurance policies only cover you up to a certain amount. For coverage beyond those limitations, you need a personal umbrella insurance policy.

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What are the benefits of having umbrella insurance?

Standard policies provide you with valuable protection

However, there is still a chance that you can become financially liable for a sum larger than what your policies will cover. For instance, say you have a fire in your home, and it spreads to destroy your neighbor’s property. Does your home insurance policy include enough liability coverage to pay for the damages?


Umbrella insurance can protect your assets

Umbrella insurance can protect your assets if you are held liable for property damage or bodily injury. It can also help cover legal fees, false arrest, libel and slander. If you are sued and do not have enough coverage with your standard policies, all your assets are exposed. This can include your house, car, financial and retirement accounts, and future income.

Add more coverage on top of your basic policies

Think of umbrella insurance as a blanket policy that adds another layer of coverage on top of your basic policies. When you’ve reached the limits on your home or auto insurance, your umbrella insurance then helps cover the remaining costs.


If you are looking to protect your family and assets from financial ruin, you may need to purchase an umbrella policy. Call (877) 341-5728 or fill out a fast & free quote form.