Umbrella Coverage

Umbrella insurance provides an extra layer of liability protection that goes beyond the limits of your existing insurance policies, helping protect your finances from large claims or lawsuits.

Your home, auto, or other insurance policies include coverage limits that help determine how much your policy will pay after a covered loss. However, if a claim exceeds those limits, you could be responsible for paying the remaining costs out of pocket. An umbrella policy helps provide additional protection when those situations occur.

How Does Umbrella Insurance Work?

Umbrella insurance extends the liability coverage you already have through policies such as:

• Auto insurance
• Homeowners insurance
• Renters insurance
• Other eligible personal or business insurance policies

For example, if you are involved in an accident where the damages exceed the liability limit on your auto insurance policy, an umbrella policy may help cover the remaining costs up to the umbrella policy limit.

What Does Umbrella Insurance Help Protect Against?

Umbrella insurance may provide additional protection for situations such as:

• Serious accidents that result in costly injuries
• Large liability claims
• Lawsuits that exceed your existing policy limits
• Certain personal liability situations, such as claims involving libel or slander
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Why Consider Umbrella Insurance?

Unexpected accidents and lawsuits can create significant financial risks. Umbrella insurance helps protect your savings, assets, and future income by providing additional liability coverage when your other policies reach their limits.

It can be an affordable way to increase your overall protection without significantly increasing the limits on each individual policy.

Is Umbrella Insurance Right for You?

Umbrella coverage may be a good option if you want additional protection based on your:

• Personal assets
• Income and financial goals
• Lifestyle and activities
• Existing insurance coverage

A licensed insurance professional can help review your current policies and determine whether umbrella insurance is the right fit for your protection needs.

Next Steps

Protecting what you have built requires planning for the unexpected. Contact an insurance professional today to learn how umbrella insurance can provide an additional layer of security for your future.