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Your assets, your college fund, your nest egg, your retirement savings — they could be at risk from legal liability claims without the right level of coverage.

With Personal Umbrella coverage you can choose up to $5 million in added liability protection.

What is Personal Umbrella Insurance?

Umbrella insurance is extra liability insurance that you purchase in addition to your regular insurance policies. As its name implies, umbrella insurance sits "on top of" your other insurance policies like an umbrella, to provide added financial protection in the event that other policies cannot cover the loss.

For example, let's say that you rear-end a luxury vehicle, and it turns out that you must pay far more than your insurance coverage allows. If you don't have an umbrella insurance policy, you'll need to figure out where to get that money. If you have umbrella insurance, then that policy would kick in and you would protect yourself from paying out-of-pocket.

It used to be that only the very wealthy needed umbrella insurance. But anyone can be sued for any reason at any time, and umbrella insurance provides added protection against losses. If someone falls on your front steps or your tree falls on a neighbor's house during a storm, they can sue you for damages and are sometimes successful. Anything that happens on your property or because of your property is fair game and not always covered by traditional homeowners' insurance. Umbrella policies provide protection in many situations that usual liability policies don't cover.

It is not necessary to be extremely wealthy to need umbrella insurance. It is a smart investment to protect your assets from forseeable and unforeseeable circumstances outside of your control. Learn more about the umbrella policies and varying levels of coverage available to you today. Do not delay!