Protecting You On The Road

Life can change in an instant. A personal umbrella insurance policy helps protect you against the unexpected events that can wreak havoc on your family, finances, and your future. 

If you were found negligent or liable for someone else’s bodily injury or death, would you have enough insurance to protect your assets? 

What is Personal Umbrella Insurance? Personal umbrella protection is a low-cost insurance policy that picks up where the liability coverage included in a personal auto and homeowners policies leaves off.  Simply put, an “umbrella policy” (or more accurately, an excess liability policy) adds a layer of liability coverage over both your home and auto policies. The cost to add $1,000,000 of liability above your home & auto liability coverage averages from $100-$300/year, depending on the number of homes, cars and drivers. 

The umbrella policy serves three purposes: it provides additional limits when the limits of underlying liability policies are exhausted by the payment of claims; it opens up and covers beyond where the underlying policy leaves off when the limit of the underlying policy in question is exhausted by the payment of claims; and it provides protection against some claims not covered by the underlying policies. 

An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world. Legal defense fees are also paid. 

We believe that anyone who has assets to lose in a lawsuit, such as their home, needs more liability coverage than you can buy on either your stand-alone home or auto policy. When you bundle this policy with the underlying policies it is both inexpensive and very valuable.