What is Personal Umbrella?
A Personal Umbrella provides affordable coverage beyond your basic policies, such as your homeowners, renters, auto or watercraft policies. It helps protect your assets and future earnings, and pays for defense costs in the event that you are sued.

Do I Need It?
Yes…because everyone makes mistakes that can lead to a lawsuit. Even if you’re not at fault, a Personal Umbrella policy can also cover defense costs.

Here’s just one of many examples:
During John’s holiday party at home, his friend slips on a web floor and strikes his head hard on the counter. Recovery includes a long hospital stay and rehabilitation. John’s homeowners policy maxed out at $300,000 and his Personal Umbrella policy paid $2.5 million. Without the Personal Umbrella, John would have lost his home and paid the cost out of his own pocket.

We strongly urge all customers to consider purchasing the highest level of limits available and a Personal Umbrella policy is an affordable way to increase your personal liability protection.