Extra Protection When Life Gets Messy

Your home and auto policies have limits. Personal umbrella insurance adds an extra layer of security.

Why Umbrella Insurance Matters

• Lawsuits can exceed standard liability limits.

• Protects your assets, savings, and future income.

• Affordable way to add millions in coverage.

What’s Covered

• Liability beyond home, auto, and renters policies.

• Bodily injury and property damage claims.

• Legal defense costs.

• Worldwide coverage for certain incidents.

How Much Coverage I Need?

Most experts recommend buying enough umbrella insurance to cover your total net worth (assets + future income). Typical policies start at $2 million and can go up to $5–10 million, depending on your risk exposure and financial situation.

How to Decide Coverage Amount

1. Assess Your Assets

• Home equity, savings, investments, retirement accounts

• Vehicles, valuables, businesses Umbrella insurance should at least match the value of what you could lose in a lawsuit.

2. Consider Your Risk Exposure

• Do you host gatherings, own rental property, or have a swimming pool?

• Do you drive frequently or have teen drivers in the household?

• Do you travel internationally or own pets? Each of these increases liability risk.