We recommend a personal umbrella policy for many of our clients. This type of coverage is designed to give additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy may take over and provide you with additional protection. The costs associated with such coverage are minimal compared to the comfort of knowing you are adequately covered.
A Personal Umbrella insurance policy may also pay some claims not covered by your home, auto, or other underlying insurance. The policy covers you plus your spouse and all family members living in your household anywhere in the world. Legal defense fees may also be included.