Personal Umbrella Insurance

Protecting you and your assets.

You own a home and have built a financial foundation for the future. You want to keep those assets safe. Unfortunately, we live in a world where liability claims and medical settlements can cost millions of dollars. Umbrella coverage protects you against major claims that extend beyond your standard homeowner or auto coverages — protecting your hard-won assets.

Real-life risk scenarios:

  • A 12-year-old boy was injured by a neighbor's dog, resulting in a $500,000 verdict against the dog owner.
  • A homeowner improperly installed a diving board which resulted in a serious injury to the home’s new owner and a settlement of $2,500,000.
  • A teenage driver was ordered to pay $1.5 million to settle injury claims after he was found negligent in an accident that killed two people and injured a third. His parents' auto insurance paid only $300,000, but fortunately they had umbrella coverage that paid the remaining $1.2 million – protecting their assets.

Affordable protection:

  • Our basic policy has a limit of $1,000,000.
  • Increased limits up to a total policy limit of $5,000,000 may be available.
  • Policies with youthful drivers are eligible for policy limits of $1,000,000 maximum.

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PHOTO: WHITE STONE, VIRGINIA – BY JAY COLEMAN, IT TEAM

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