Personal Umbrella Insurance

Accidents happen - and sometimes, the financial consequences go far beyond what your standard insurance policies can cover. That’s where a Personal Umbrella Policy comes in.


Umbrella insurance provides an extra layer of liability protection that kicks in when the limits of your auto, home, renters, or boat insurance are exceeded. It’s affordable, comprehensive, and essential for protecting your assets and future.

Why Consider Umbrella Insurance?

  • You don’t have to be wealthy to need umbrella coverage. If you:
  • Drive a car
  • Own property
  • Have a teen driver
  • Host guests in your home
  • Have a pool, trampoline, or dog
  • Are active online or on social media
  • Volunteer or serve on a board

…then you’re at risk of being sued - and umbrella coverage can protect you from financial devastation.


What Does a Personal Umbrella Policy Cover?

Umbrella insurance steps in after the limits of your underlying liability policies (like auto or homeowners) have been exhausted.


Coverage Can Include:

  • Bodily Injury Liability
  • Covers serious injuries to others, such as in a car accident or on your property.
  • Property Damage Liability
  • For damage you or your dependents cause to someone else’s property.
  • Legal Defense Costs
  • Even if you're not found liable, legal fees can add up quickly — umbrella coverage helps with those costs.
  • Personal Liability Lawsuits
  • Protects against claims like libel, slander, or defamation — including things said online.
  • Worldwide Coverage
  • Liability protection wherever you travel, not just in the U.S.


How It Works

Let’s say you’re found liable in an accident and your auto insurance covers up to $300,000 - but the damages are $1 million. Without umbrella insurance, you’re on the hook for the remaining $700,000.

A personal umbrella policy would cover that excess - and help protect your savings, retirement funds, future earnings, and more.


Affordable Peace of Mind

Personal umbrella coverage is surprisingly affordable - typically as little as $150–$300 per year for $1 million in coverage, with higher limits available.

Protect your assets. Safeguard your future. Let’s talk about how a personal umbrella policy can work for you.