Without an Umbrella you can get Soaked!

Umbrella Insurance is a Liability Insurance Policy

It protects your assets and future income above and beyond the standard limits on your primary policies.

Umbrella "drops down" to fill coverage gaps in underlying policies.

Therefore, an umbrella policy can become the primary policy "on the risk" in certain situations. The term "umbrella" refers to how the policy shields your assets more broadly than primary coverage.

Typically, an umbrella policy is pure liability coverage...

...over and above the coverage afforded by the regular policy, is sold in increments of one million dollars and is surprisingly affordable. The term "umbrella" is used because it covers liability claims from all policies underneath it, such as auto insurance and homeowners insurance policies. For example, if you carry an auto policy with liability limits of $500,000 and a homeowners policy with a limit of $300,000, then with a million dollar umbrella, your limits become in effect, $1,500,000 on an auto liability claim and $1,300,000 on a homeowners liability claim.

You’ve taken important steps to protect your home, auto, family and future from unpredictable events, now take this one more affordable step to protect your protection.