Why do I need Umbrella Insurance? 

Umbrella insurance adds an extra layer of protection of your financial assets. Umbrella insurance gives you added liability protection for lawsuits and claims that rise against you.

It is an inexpensive way to protect your financial future or established assets.

Depending on the provider, the policyholder who wants to add an umbrella insurance policy is required to have a base insurance coverage of $150,000 to $250,000 for auto insurance and $250,000 to $300,000 for homeowners insurance and $300,000 to $500,000 for watercraft.

Personal Umbrella Insurance kicks in when your base policy liability limit is not enough. It protects you above and beyond the limits on your homeowners or condo insurance, car insurance, watercraft or other personal insurance policies.

What Does Umbrella Insurance Cover?

Umbrella liability insurance can protect you from

• litigation arising from property damage, injury

• associated legal defense costs if you get sued for damages to other people's property or injuries.

In order for the umbrella policy to start paying out coverages, a primary liability policy must be in place and have maxed out on claim payments.