Personal umbrella policies provide an extra layer of liability coverage beyond the basic coverage from your homeowners and auto insurance policies

Personal Umbrella’s are the most under utilized type of coverage

Your standard auto insurance or homeowners insurance will provide you with some liability coverage.  This is considered an underlying policy for your umbrella. Should you be sued, your underlying policies will pay up to their policy limits for legal judgments against you, as well as the related attorney’s fees.

We live in a litigious society, and a single lawsuit settlement could very well wipe out your financial assets.

You may want  to consider this extra layer of protection provided by a personal umbrella liability policy provides.

Umbrella’s may also protect you from additional types of claims, such as libel and slander.

Most importantly, the ISO (Insurance Services Office) of which defines industry standard for Homeowners and auto policies, believes that Personal Umbrellas are a luxury item and has not yet set a standard of coverage. As a result, most Personal Umbrellas offered today may have varying levels and definitions of coverage set by each insurer. Please be sure to ask a great deal of questions as most insurance agencies are not aware of this.

Let us support you and your family by assisting you in setting up a Personal Umbrella and protect what you have earned.