Young family of four walking down the street in the rain with an umbrella.

Do I Need Personal Umbrella Insurance?

Accidents happen. Unanticipated and unfortunate events—such as auto accidents resulting in permanent injury of others, a family pet attacking a neighbor, or a campfire getting out of hand and starting a forest fire—can result in expensive lawsuits. These lawsuits often exceed the coverage offered by your personal auto, homeowner, condo unit owner, or renter policies. Personal umbrella insurance offers you an extra layer of protection, increasing your limit to $1 million or more, for a modest price.

To evaluate whether or not you need personal umbrella insurance, consider your risk. Individuals with teenage drivers, pets, swimming pools, boats, snowmobiles, hunting equipment, and other large or dangerous personal property have a higher risk of unforeseen lawsuits. In addition, personal umbrella insurance is advantageous for individuals with significant assets to protect.

Personal umbrella insurance can bring you peace of mind and protect your family from financial devastation. Your Independent Insurance Agent can help you determine if personal umbrella insurance is right for you.