Umbrella Insurance

Extra Protection for Life’s Uncertainties

Sometimes, your standard homeowners or auto policy simply isn’t enough. A Personal Umbrella Policy is designed to provide additional liability protection above and beyond your existing coverage. It acts as a financial safety net, helping protect your assets, savings, and future when unexpected events lead to costly claims.

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Why Umbrella Coverage Matters

Consider this scenario: you’re involved in a serious car accident that injures another driver. Your auto insurance may cover up to $250,000 of their medical expenses. But what if their total costs exceed that amount? If the injured person sues, your personal assets — your home, savings, and income — could all be at risk.

Now imagine if that person is a doctor or another professional with a high income, unable to work for several months. The lawsuit could easily reach $1 million or more. Your auto policy covers $250,000 — but where would the remaining $750,000 come from? Without umbrella coverage, it could come directly from you.

This is where a Personal Umbrella Policy steps in, bridging the gap and ensuring your financial security isn’t wiped away by one unexpected event.