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What is Umbrella Insurance?

March 21, 2024

Why do I need to insure my umbrella? If it breaks, I can buy a new one. Sounds good, right?

Personal Umbrella insurance is something completely different. The more your earning power and assets increase, the more you have at risk and the more you need to protect yourself from a loss of those assets. Having a personal umbrella policy protects you over and above what your auto and homeowners policies cover.

Personal umbrella policies are generally sold in increments of $1 Million. The amount of coverage available is unlimited and is up to you. In addition to a higher limit of coverage, a good umbrella also gives you extra protection for the following:

  • Worldwide auto liability coverage
  • Protection against non-business-related personal injury claims, such as slander, wrongful eviction, and false arrest.

All personal umbrellas include unlimited legal defense costs for a covered loss, including lawyer’s fees and associated court costs.

Contact us today for more information.