The coverage that protects everything you have built.
A personal umbrella adds a layer of liability limit over your home and auto policies. When a serious claim exceeds the limit on those policies, the umbrella keeps paying, which is what stands between a lawsuit and your assets.
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How an umbrella works
The umbrella sits on top of your home and auto liability. If an at-fault accident or a lawsuit produces a judgment larger than your primary limit, the umbrella picks up where the primary stops, up to its own limit. To make this work, carriers require you to carry stated minimum liability limits on the underlying policies, which is why the umbrella has to be coordinated with the home and auto, not bought in a vacuum.
Why it costs so little
Catastrophic liability claims are rare, so the cost per million of umbrella coverage is remarkably low. For a modest annual premium, a family can add a million dollars or more of protection over their home and auto. That ratio, low cost for high protection against a rare but ruinous event, is exactly what insurance is supposed to do, and it is why an umbrella is one of the best values in a personal program.
Who needs one
Anyone with assets to protect or income to garnish should consider it, and that is most families, not just the wealthy. A teen driver, a swimming pool, a dog, a rental property, a role in the community, all raise the odds of a claim that exceeds a standard limit. The more you have built and the more exposure in your daily life, the more an umbrella earns its keep. It is the spine that ties a real plan together.
Recreational vehicles add exposure worth coordinating. If you own an RV, a truck camper, or a boat, the underlying liability on those policies generally needs to be in place for the umbrella to sit cleanly on top. An umbrella is liability coverage, not property coverage, so see truck camper insurance for how the camper itself and its contents are reviewed separately.
How we handle it
We confirm your home and auto carry the underlying limits the umbrella requires, so there is no gap between the layers. We size the umbrella to your assets, your income, and your exposure. We extend it over rental properties and other policies where it applies. And we keep the layers aligned as your life changes, a new driver, a new home, a new risk.
Common questions.
What does a personal umbrella cover?
Do I need an umbrella if I am not wealthy?
How much umbrella coverage should I carry?
Does an umbrella cover property damage to my own home?
Why does the umbrella require certain home and auto limits?
Would one bad claim reach past your insurance?
An at-fault accident or a lawsuit can exceed a standard liability limit and reach your assets. We check whether an umbrella, and the right underlying limits, are in place.
Protect everything behind your policies.
Tell us what you have built and we will size an umbrella that actually protects it.