Why do you need a personal umbrella policy?

A day in court can cost you a lifetime's work...

"Lawsuit" is a scary word to most of us. That's why we purchase personal liability insurance to protect ourselves and our families. However, many people assume their auto or home insurance will provide all the liability insurance they need. That's not necessarily true!

Personal umbrella liability insurance provides you with an extra layer of personal liability insurance — in addition to your current home and auto insurance. And that can be important coverage if someone is injured in a vehicle accident, in your home or as a result of negligent actions. 

Jury awards in personal liability lawsuits are unpredictable and often very expensive. With the strike of a judge's gavel, all of the assets we've worked so hard to obtain can be taken away, leaving our families exposed to financial ruin.

Who needs an umbrella policy?
Do you own your home?
Do you own any significant assets in addition to your home?
Have you built an investment portfolio or retirement savings account?

If you can answer "yes" to any of these questions, then you should consider purchasing a personal umbrella policy.

Are You Adequately Protected?
Step 1: Add up your assets - the worth of your home, money in the bank, stocks, bonds, other assets, and available funds from a 401(k) or other retirement plan.

Step 2: See how much liability coverage you have on your homeowners, auto, and boat policies.

Step 3: Determine if your current liability policies cover your assets.

If you don't have protection that exceeds your assets, you need to consider an umbrella policy. And, if you have an umbrella policy you should reevaluate to determine if you should raise your limit.

Why is our personal umbrella insurance is a good source of protection for you and your family?
Our policy is underwritten by RLI Insurance Company, an A+ rated company by A.M. best. RLI is a specialty insurance company that has been successful for more than 40 years. They have a diversified portfolio of property and casualty coverages and surety bonds serving ‘‘niche'' or underserved markets.

It is flexible — choose from $1, $2, $3, and $5 million in liability limits. 
It is affordable — we offer competitive premiums for all coverage limits.
It is friendly — broad underwriting guidelines means most people can easily qualify for the program. 
It's easy — Receive a quote with 10 quick questions.