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A critical, but often overlooked , component of personal risk management.

“An umbrella insurance policy is the absolute best buy in the insurance business.”1

Sometimes things go wrong – a car accident, a guest slips and falls on your property, a lawsuit. If you don’t have the right coverage, an unfortunate situation can compromise your financial security.

What does umbrella insurance protect?

A personal umbrella insurance policy offers an extra layer of liability protection for your wages, house, investments, cars and boats if you’re in a serious auto accident or there’s an accident on your property.

It's important to have sufficient coverage to protect your current assets and future earnings if you’re involved in a serious accident or lawsuit. Otherwise, you could be liable for more than your current auto or homeowners coverage limits.

How personal umbrella insurance works

A personal umbrella policy extends the bodily injury and personal damage liability limits of your home or auto policies. Consider the following scenario:

Your home insurance provides $300,000 of liability coverage. A serious accident happens on your property, and you’re sued for $1.3 million resulting in a judgment against you.

Your insurance pays up to $300,000 for a covered accident, but you hold responsibility for paying the remaining $1 million.

If you had $1 million of coverage under an umbrella insurance policy, you’d be covered with nothing out of your pocket (other than your monthly premium). Instead, without the additional protection from a personal umbrella policy, you’re looking at the possibility of needing to liquidate your assets to pay the remaining $1 million in this example.

Talk to an agent to find out what the best level of coverage is for your situation.


Many collector cars appreciate with age. If your car is ever totaled in an accident, you want to be sure you'll receive a fair market value – not the depreciated value.

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Related topics & resources

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What is Personal Liability coverage?

House Painting

Commercial Umbrella insurance


Ready to get started? Call 888-389-3900

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