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Personal Umbrella Insurance

Protect Yourself and Your Assets with Personal Umbrella Insurance

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Protect Yourself and Your Assets with Personal Umbrella Insurance

You may never know if you’ll need it, but having personal umbrella insurance is the best way to protect yourself and your assets. It provides excess liability over your homes, cars, boats, and other watercrafts, so you can rest easy knowing that you’re covered for any potential mishaps or disasters. But what exactly is personal umbrella insurance? Let’s take a look!

What Is Personal Umbrella Insurance?

Personal umbrella insurance is extra liability coverage that goes beyond the limits of your homeowners, auto, and watercraft policies. This type of insurance kicks in when the costs of a claim exceed the limits on those policies. In other words, it offers protection from catastrophic losses due to expensive lawsuits or medical bills. And since these costs can be incredibly high—even reaching millions of dollars—taking out an umbrella policy is often a wise decision.

How Does Personal Umbrella Insurance Work?

It’s simple—when you purchase a personal umbrella policy, it acts as an additional layer of protection against large-scale damages or injuries caused by you or someone in your household. For example, if someone slips and falls at your home and sues for damages exceeding the limits on your home insurance policy, personal umbrella insurance will kick in to cover the remainder of those damages up to the limit of coverage specified in the policy.

Similarly, if you cause an accident while driving that results in serious injury or death to another person, your auto insurance policy may not be able to cover all costs associated with such an incident. In this case as well, personal umbrella insurance can step in to provide additional coverage up to its stated limit(s). The same principle applies for watercraft incidents as well; if you are found liable for an accident involving your boat or jet ski that results in major loss or injury, this type of coverage will help pay for related expenses beyond what your regular watercraft policy covers.


No one likes thinking about worst-case scenarios—but they do happen! That’s why having a personal umbrella policy is so important—it gives you peace of mind knowing that even if something unfortunate occurs that isn’t covered by one of your existing policies (or isn’t covered sufficiently), there’s still something out there protecting you from financial ruin. So don’t wait until it’s too late; look into getting yourself some personal umbrella coverage today!


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