You never know when an accident or lawsuit could turn your life upside down, and you don’t have to be a millionaire to get sued like one.
Umbrella insurance acts just like an umbrella, over all your other insurance policies, giving you an extra measure of protection, should the worst happen.
Save money by bundling your umbrella policy with your auto and home insurance.
Anyone with assets to lose should consider umbrella coverage. You're especially at risk if you own a pool, trampoline, rental property, boat, or large dog, have a teenage driver, coach youth sports, host gatherings at your home, or participate in volunteer activities.
Here's why it matters: If you cause an accident with $500,000 in damages but only carry $300,000 in auto liability, the remaining $200,000 comes out of your pocket. Umbrella insurance covers that gap and your legal costs. A one-million-dollar policy costs about the same as one hour of legal defense for an entire year.
