What is Umbrella Insurance?
Just like its name suggests, umbrella insurance acts as a protective shield against a variety of financial threats and unforeseen incidents. You can’t predict when you might need it, so it’s wise to be prepared.
Umbrella insurance functions as a type of liability insurance, which means it does not cover:
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Your medical expenses.
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Damage to your own property.
The coverage provided by your umbrella policy can vary based on how you set it up, but typically it offers protection for:
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Injuries you cause in a car accident.
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Injuries sustained by someone on your property.
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Property damage you inadvertently cause.
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Damage caused by your pet.
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Damage caused by a child or dependent.
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Legal costs, including attorney fees, if you face a lawsuit.
While your existing insurance may cover some of these situations, an umbrella policy extends your coverage at a lower cost than simply increasing the limits on your current policy. Plus, umbrella insurance is generally portable, following you wherever you go—even internationally.
Since the specifics of umbrella insurance policies can differ by provider and your personal circumstances, it’s best to discuss the benefits, limitations, and coverage options with a knowledgeable insurance agent from our firm.
Do Only Wealthy Individuals Need Umbrella Insurance?
Not at all! Anyone with a job and a steady income could benefit from an umbrella policy. For instance, if someone makes a delivery to your home, slips on a wet sidewalk from your sprinkler, and sustains severe injuries, they may sue you.
Your homeowners insurance might cover up to its limits, but what if a jury decides you owe an additional $500,000 beyond those limits? Ask yourself: how long would it take you to pay that off with your paycheck?
Umbrella insurance can cover the excess amount, often up to $5 million, protecting you from financial devastation and the costs of legal representation.
Are Umbrella Policies Expensive?
In relation to the level of protection they provide, umbrella insurance is very affordable. Given that it’s unlikely you’ll ever need to make a claim, your specific premium will depend on:
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The amount of coverage you select.
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The policies of your insurance carrier.
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Your risk profile and driving history.
You can also save money by purchasing umbrella insurance from the same carrier that covers your home or auto—just check with us for the best deals.
Why Do You Need Umbrella Insurance?
You’ve set goals, worked hard, and achieved financial stability, accumulating possessions that provide comfort for you and your loved ones. It’s natural to be proud of your achievements and want to protect them with the best insurance available.
However, you also need the added layer of an umbrella policy—one that extends beyond what any single insurance plan might offer.
Consider your auto and home liability limits: are they $300,000 to $500,000? If you face an auto accident, or if someone is injured on your property, you could be sued. And if the judgment exceeds your policy limits, how will you handle the financial repercussions?
Your standard home or auto policy likely won’t cover the full amount. How would you manage a judgment against you? Could you risk losing everything you’ve worked for? The answer is yes, and many people aren’t aware of the potential consequences.
The Legal Landscape...
In our society, three factors work against you:
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It costs nothing to file a lawsuit.
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Judges and juries can be unpredictable.
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Legal defense can be exorbitantly expensive.
There’s also the unfortunate reality that plaintiffs may pursue legal action simply because they can.
Why We're Different...
While you might be tempted to choose the cheapest insurance available, that may not always provide the protection you need.
Insurance products can vary greatly in terms of price and function, and the providers differ significantly in how they construct policies that truly cover you. If you’re concerned about your financial security, it’s important to investigate your options carefully and consider establishing a relationship with a trusted advisor.
There’s no such thing as a one-size-fits-all insurance policy.
As your neighbors, we care about protecting you and your assets. We continuously seek better ways to safeguard your interests, including selecting insurance companies that are both affordable and responsive.
Contact us today, and let our experts help you create the strongest possible shield to protect everything you’ve worked hard to build.

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Reach out to us, and let our professionals help you create the strongest possible plan to safeguard what you’ve worked so hard to build.