Personal umbrella adds \$1M–\$5M of liability coverage above your home and auto policies. Usually a few hundred dollars a year.
Your home and auto policies have liability limits, but they cap out — often around $300K or $500K. A serious at-fault accident or a guest injury at your home can produce judgments that blow past those limits in an afternoon. Umbrella picks up where the underlying policy stops.
If you have any equity, savings, or future earning capacity worth protecting, you should be looking at this. We’ll walk you through the math.
Situations where the underlying home or auto liability limit is the thing that determines whether you keep the rest of your assets.
Multi-vehicle injury claims routinely exceed standard auto liability limits. Umbrella covers the gap.
Homeowners liability can be exhausted faster than you'd think. Umbrella keeps your savings out of the lawsuit.
Most umbrella policies include personal injury coverage that standard home policies exclude.
Landlord exposure to tenant injury claims is exactly what umbrella is built for.
We'll put options together in front of you — usually within one business day. No high-pressure pitches, no obligation.
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