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Umbrella Insurance

PROTECT WHAT YOU’VE BUILT WITH AN EXTRA LAYER OF SECURITY

WHAT IS UMBRELLA INSURANCE?

Umbrella insurance is a type of personal liability insurance that provides an extra layer of protection over your existing policies, like auto or homeowners insurance.

Think of it as a "failsafe" for your finances. It kicks in when the liability limits on your standard policies are reached, protecting you from large claims or lawsuits that could otherwise drain your savings and assets.

Umbrella insurance will typically protect you from:

Injuries you cause in a car accident
Injuries someone suffers on your property
Property damage you cause in an accident
Property damage your pet causes
Property damage a dependent or child causes
Attorney fees and other legal costs

Umbrella insurance covers everything your other policy doesn’t, so it saves you more money. It will also protect you on your travels as well.

WHO NEEDS UMBRELLA INSURANCE?

The answer: everyone. If you have a job, you need umbrella insurance.

Lawsuits are more and more common, especially for accidents on your property. Protect yourself with the right coverage.

Umbrella insurance takes over where your home insurance ends, covering you for up to $5 million and helping to pay an attorney when you need one.

Own a Home or Rental Property Protects your equity if someone is injured on your property.
Have a Teenage Driver Covers the high costs of multi-car accidents or significant injuries.
Own "High-Risk" Items Such as a swimming pool, trampoline, or a dog.
Have Significant Savings Shields your bank accounts, investments, and future earnings from legal judgments.
Volunteer or Post Online Provides coverage for libel, slander, or defamation—things standard policies usually exclude.

Why do I need umbrella insurance?

Asset Protection
It shields your home equity, savings, and retirement accounts from being seized to pay for a legal judgment.
Wage Garnishment Defense
It prevents a court from taking a percentage of your future earnings if you lose a lawsuit.
High-Limit Coverage
Standard policies often cap at $500k; a major accident can easily exceed $1M in costs.
Legal Fee Coverage
It pays for your lawyers and court costs from day one, which can cost tens of thousands even if you win.
Beyond the Basics
It covers things standard policies don't, like libel, slander, and false arrest.
Extreme Affordability
You can typically get $1M in extra coverage for about $200–$400 a year.

Why we're Different

Cheap insurance is not the best insurance.

Most insurance policies function the same, but that doesn’t mean they are good for your needs.

There’s not one policy that will be the best for your life – only a consultation will solve that.

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