Personal Umbrella Insurance

When it rains, it pours…

Especially when it comes to unexpected accidents or injuries.

What is umbrella insurance?

You never know when it might rain. So, just like the name implies, this type of policy acts like an umbrella, providing protection against a wide range of potential financial dangers and unforeseeable mishaps.

If you’re involved in a major accident or if someone gets injured on your property, you could be held liable for damages in excess of the limits provided by your Home and Auto Insurance policies.  A personal umbrella policy is meant to provide the additional protection you need for peace of mind.

Limits provided by this policy would apply to car accidents, injuries on your property, defense costs and legal fees, personal injury suits involving claims of libel and slander and even accidents involving your boat, ATV or other recreational vehicles.

In most cases, umbrella insurance protects you from:

  • Injuries you cause in a car accident
  • Injuries someone suffers on your property
  • Property damage you cause in an accident
  • Property damage your pet causes
  • Property damage a dependent or child causes

Umbrella insurance does not cover:

  • Your own medical expenses
  • Losses to your property

Since the terms of umbrella insurance policies will vary, contact us to discuss the benefits, restrictions, and coverage from each carrier they represent.

Who needs umbrella insurance?

Anyone with a job who expects to keep the income they earn could benefit from having an Umbrella policy. 

What would happen, for example, if someone made a delivery to your house, slipped on the sidewalk, and suffered severe head injuries from the fall? 

Umbrella insurance covers the amount that exceeds your liability coverage sparing you from a financial nightmare.

Are umbrella policies expensive?

Relative to the amount of protection, umbrella insurance is highly affordable.

Your specific cost will be determined by: 

  • The amount of coverage you purchase
  • Your risk profile
  • Your driving record 

You may save even more money by purchasing umbrella insurance from the same carrier who provides your home and/or auto insurance - contact us to make sure.

Why we're different

Not all insurance products are similar in price and function, that’s why it’s important to customize a portfolio to fit your specific needs.