Personal Umbrella Insurance
Accidents happen — and sometimes the costs go far beyond what your standard insurance policy will cover.
Personal umbrella insurance provides an extra layer of liability protection, helping you safeguard your assets and financial future if you’re held responsible for a major accident or lawsuit.
What Is Personal Umbrella Insurance?
Umbrella insurance steps in when the limits of your auto, homeowners, or other personal liability policies are exhausted.
It covers the remaining costs so you don’t have to pay out of pocket for large claims.
For example:
If you cause a serious car accident and your auto insurance covers $50,000 but the injured parties are awarded $300,000 in damages, your umbrella policy could pay the remaining $250,000 — preventing financial hardship or asset loss.
Why It Matters
While most people don’t expect to face a lawsuit, everyday situations can lead to costly liability claims, such as:
- A guest injured at your home who sues for medical expenses
- A car accident where you’re found at fault for multiple injuries
- A defamation or personal liability claim resulting from online activity
Without umbrella insurance, these expenses could quickly exceed the limits of your existing policies.
How Umbrella Coverage Helps
Umbrella insurance can cover:
- Bodily injury and property damage liability
- Legal fees and court judgments
- Certain personal liability situations not covered by standard policies
It provides affordable, high-limit protection that helps ensure one unexpected event doesn’t put your financial future at risk.