Umbrella Insurance: The Affordable Protection Most Families Need
Umbrella insurance provides extra liability protection beyond home and auto coverage. For families with assets, it is one of the most cost-effective insurance products available.
What It Covers
Kicks in when you exhaust home or auto liability limits. Covers personal injury lawsuits, property damage, defamation claims, legal defense costs, and off-premises incidents.
Why You Need It
A serious accident can result in $500,000+ judgments. If auto insurance covers $300K, you are personally liable for the rest. Your savings, investments, and wages are at risk.
Surprisingly Affordable
A $1 million policy costs $150 to $300 per year. Each additional million costs $75 to $100. Arguably the best value in insurance.
Who Should Get It
Homeowners, those with significant savings, pool or trampoline owners, rental property owners, families with teen drivers, or anyone with $300K+ net worth.
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