What is a personal insurance umbrella and who needs one?
A personal insurance umbrella is a separate insurance policy extending
liability coverage's beyond the limits of your primary auto and homeowner
policies. If designed correctly, it is an extra layer of protection that
protects your assets from ever being considered in a lawsuit.
The umbrella concept suggests that everyone under your roof is covered
for any accidental negligence. Yes, even the dog is covered. (one bite only).
You need an umbrella if the liability limits of your auto and homeowners insurance policies fall short of your personal net worth. This low cost coverage provides peace of mind when there are so many horrific perils that could strip the value of what you have worked so hard for in life.
We sell personal umbrellas in million dollar increments.