Personal Umbrella Insurance

An Extra Measure of Protection 

Umbrella coverage can help protect you against personal liabilities that could impact a substantial portion of your assets or future earnings.

Umbrella Protection Provides: 

• Extended Liability Protection in the Form of Higher Coverage Limits
• Coverage for Most Types of Accidents
• Coverage for Legal Defense Fees

If you are ever sued due to an unforeseen event such as a tragic accident in which you are held responsible for damages or bodily injuries, do you have enough insurance to fully protect your assets? Umbrella insurance provides an extra layer of protection that kicks in when the limits of your home and auto policies are exhausted.

Risk Factors:

In most cases, an umbrella policy is relatively affordable. A small premium could help prevent a large adverse impact to your financial standing.

We strongly recommend that individuals and families with any of the following characteristics consider this important coverage:

• Own Your Home
• Have Secondary or Vacation Property
• Own a Vehicle
• Have a Swimming Pool or Hot Tub on Premises
• Transport Others
• Have a Family with Teenagers
• Entertain Others in Your Home
• Own Recreational Vehicles
• Own Boats or other Watercraft
• Are a Pet Owner
• Serve on Profit or Nonprofit Boards
• Own a Rental Property

How Much Coverage is Enough?

While buying enough liability to protect your total assets is a good start, it may not be enough. A court could award damages in excess of net worth and attach future earnings. It is important to look at your own risk factors and the relative low cost of buying higher limits.