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So you have already purchased auto insurance for your vehicles and homeowner insurance for your house. If you think that it is enough, think again. Chances are the current coverage that you have might not be enough to cover catastrophic financial loss from lawsuits filed against you.

Unexpected incidents happen. When it comes to lawsuit, liability (including legal fees and jury award) may reach millions of dollars very easily. Personal umbrella insurance is designed to provide you with extra coverage in addition to your existing auto & home insurance, so that your current possession and future earning are protected. Personal umbrella insurance gives you not only higher liability limits, but also broader coverage when you are being sued.

Liability insurance is the part of insurance on your auto and homeowners policy that covers various expense for the other party when the judge determines you are at fault. It is not easy to predict how much the judge will award the other party, and expenses may include medical, rehab and legal expenses, and lost wage.

It is not uncommon to see a judge awarding more than what your auto or homeowners policy covers. Fortunately umbrella insurance can provide extra coverage beyond normal auto and homeowners policy coverage for up to millions, and the premium is often inexpensive comparing to the extra coverage in return. So, umbrella insurance is for not only the wealthy. With such added coverage, umbrella insurance is something that should not be without.


For a list of discounts we offer, please see our Personal Line Discounts page for more details.
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