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Home » Personal Umbrella Insurance

Personal Umbrella Insurance

Personal Umbrella Insurance Information

Unforeseen events can upend a person’s financial livelihood. Suppose you’re legally responsible for injuring someone or damaging their property. If this should happen, you want to ensure you are financially protected, and personal umbrella insurance can give you the safety net you need.

What Is Personal Umbrella Insurance?
Personal umbrella insurance can help protect you against potentially damaging liability claims or judgments. With coverage, you may be able to cover any liability costs that exceed your existing liability policy limits—without coverage, you’re liable for paying any additional expenses. In addition, your assets, such as your house, car, and financial and retirement accounts, may become vulnerable without coverage.

What Is Covered Under Personal Umbrella Policy?
A personal umbrella insurance policy adds a layer of protection to your primary policies. When you’ve reached your home or auto insurance limits, your umbrella policy might help cover the remaining costs. Also, a personal umbrella policy might even cover liability claims such as libel, slander and false imprisonment.

Umbrella insurance doesn’t just protect you; it also protects your spouse and family members who live in your household and are named on your existing policies.

Who Needs Umbrella Insurance?
Although umbrella insurance isn’t legally required, it can be beneficial, especially if you have a lot of assets to protect or a high likelihood of being sued. With a personal umbrella policy, anything beyond the limits of your standard liability coverage is your responsibility, which generally includes your homeowners, renters, auto and watercraft policies.

How Much Does Umbrella Insurance Cost?
Personal umbrella insurance varies depending on your financial needs and risks. We can help evaluate what coverage can protect your savings and other assets from large and potentially damaging liability claims or judgments.

We Can Help
SAMCO Agency Ltd can help protect your financial future with an umbrella policy for your lifestyle. Call us today at 630-227-9000 to get started.