What Is Umbrella Insurance?
You’ve put in so much time and money to earn the savings you have, support your family and make sure they’re taken care of no matter what. We want to make sure everything that you value is protected. By this point, you’ve selected the insurances you knew you needed and opted in to the plans that you felt were best, but what would happen if you faced a huge lawsuit or major claim?

Every day, people lose everything on lawsuits and unexpected accidents. That’s where Umbrella Insurance comes in.
What Is an Umbrella Policy and Do I Need One?
Many people don’t know what Umbrella Insurance even is, and most think they don’t need it. What they don’t realize is that their regular insurance only covers so much, and “so much” can end up being very little if crisis strikes. That’s why Umbrella Insurance can really be worth having, because it covers above and beyond the limits of regular policies.

Whether your child’s friend gets hurt playing in your yard, a neighbor takes you to court or you slide in the snow and cause an accident, an Umbrella Policy will protect you.
When Should You Consider Umbrella Insurance?
If you have a pool on your property, a dog in your home, or a good chunk of money in your savings account, you might want to consider Umbrella Insurance. There are a number of reasons it can help you, especially if you’re physically active, you own properties, or you’re a prominent member in your community. These factors increase your chances of being sued, and having this extra coverage will give you peace of mind, knowing that if anything goes wrong, you’ll be covered past the limits on your regular policies.

What exactly does it cover?
  • Bodily Injuries
  • Property Damage
  • Court Costs
  • Personal Liabilities  
What doesn’t it cover?
  • Personal Property
  • Criminal Charges
  • Flood Damage
Still Have Questions?
We’re here to give you answers. Find an agent who can talk you through all of the details and help get you covered. If you’re still wondering what an Umbrella Policy is and how you could benefit from one, let’s chat. It doesn’t have to cost you a lot, but it can protect you from so much. Get a quote today to make sure you’re as protected as possible. Life is full of the unexpected, and there’s nothing better than knowing you’re covered, no matter what comes your way.
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