Skip to content

What is Umbrella Insurance?

    Umbrella insurance is a type of insurance that provides additional liability coverage above and beyond what is covered by your home, auto, or other insurance policies. It is designed to protect you in the event of a large claim or lawsuit where your other insurance policies may not provide enough coverage.

    Umbrella insurance can provide coverage for a wide range of situations, including bodily injury, property damage, and personal injury claims. For example, if you are found responsible for a car accident and the damages exceed the limits of your auto insurance policy, your umbrella insurance policy can provide additional coverage to help pay for the damages.

    Whether or not you need umbrella insurance depends on your individual circumstances. If you have a lot of assets, such as a large home, investments, or business interests, you may be at greater risk of a lawsuit or large claim. In this case, umbrella insurance can provide an additional layer of protection.

    It is also important to consider your level of risk. If you engage in activities that are considered high-risk, such as owning a swimming pool or hosting parties at your home, you may be more likely to face a liability claim. In this case, umbrella insurance can provide added protection.

    Keep in mind that umbrella insurance policies vary depending on the insurance provider and your individual circumstances. Give us a call to determine if umbrella insurance is right for you.