Personal Insurance
Personal Umbrellas
An added layer of liability protection for your assets and financial future.
Liability protection beyond underlying limits.
Personal umbrella insurance is designed to provide additional liability coverage after the limits of qualifying underlying policies, such as home or auto insurance, have been reached. It can be especially valuable when a major accident or lawsuit creates substantial expenses.
A serious vehicle accident, an injury at your home, or another covered incident can lead to medical bills, legal defense costs, and judgments that exceed standard policy limits. Umbrella coverage can help protect savings, investments, future income, and other assets from these larger liability exposures.
Some umbrella policies may also extend protection to additional situations, subject to policy terms, exclusions, and retained limits. Underlying home and auto policies generally must meet specified liability limits before umbrella coverage can be added.
Coverage needs depend on your assets, household drivers, properties, recreational vehicles, and other personal exposures. We can help review those factors and discuss a limit that aligns with your circumstances.
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Add another layer of protection.
Tell us about your current policies and liability protection goals.