Protect Your Life’s Savings with Personal Umbrella Insurance
A single major auto accident, property injury, or lawsuit can easily exhaust your standard policy limits. Personal Umbrella Insurance provides $1M to $5M+ in extra liability coverage to shield your savings, home equity, and future wages.
Understanding Umbrella Coverage
Everything you need to know about what personal umbrella insurance is, why you need it, and how it protects your family.
WHAT Is It?
A Personal Umbrella is an extra layer of liability insurance that sits on top of your existing Auto, Homeowners, Boat, or Landlord policies.
If a catastrophic injury claim exceeds your auto policy’s $250,000 or $500,000 limit, the umbrella policy kicks in to cover the remaining $1,000,000+ so you don’t pay out-of-pocket.
WHY Do You Need It?
We live in a litigious society where jury awards and medical bills frequently exceed standard policy limits. Without an umbrella, courts can order garnishment of your savings, home equity, investments, and future wages.
At roughly $15–$25 per month for a $1,000,000 policy, it is hands-down the highest value asset protection money can buy.
HOW Does It Work?
1. Underlying Review: We align your Auto and Home liability limits to meet umbrella requirements.
2. Seamless Addition: We issue a $1M to $5M umbrella policy that spans all your drivers, homes, pools, and recreational vehicles.
3. Complete Shield: If a major lawsuit occurs, your carrier handles legal defense expenses and pays claims up to your umbrella limit.
Common Scenarios That Require Umbrella Protection
Standard policies stop paying when limits run out. Personal umbrella fills the gap.
Major Auto Accidents
A serious multi-car accident or severe injury caused by a driver in your household can easily result in $1,000,000+ in medical bills and lost income judgments.
Pools, Dogs & Property Injuries
Guests injured at your home, swimming pool slip-and-falls, or severe dog bite claims frequently exhaust base home liability limits of $300,000 or $500,000.
Teen & Young Adult Drivers
Inexperienced drivers carry statistically higher crash rates. As parents, your personal assets remain on the hook for accidents caused by minor dependents.
Libel, Slander & Online Reviews
Umbrella policies offer worldwide protection against character defamation, slander, libel, and social media lawsuits—coverage excluded under basic homeowners policies.
Landlords & Rental Properties
Landlord liability claims from tenant slip-and-falls or property hazards can quickly sweep across multiple properties. Umbrella extends across your residential portfolio.
Boats, RVs & Powersports
Watercraft towing accidents, golf cart collisions in neighborhoods, or ATV trail mishaps are automatically covered under your master personal umbrella policy.
$1 Million in Asset Protection Costs Less Than a Cup of Coffee a Day
Don’t wait for a courtroom verdict to discover you don’t have enough liability coverage. Let Kaufman Insurance Group benchmark your current policies and bundle umbrella protection today.
Personal Umbrella Insurance FAQ
How much does a $1 Million Personal Umbrella policy cost?
For most households with two cars and one home, a $1,000,000 umbrella policy costs between $150 and $300 per year (roughly $15–$25 per month). Adding $2M or $3M in limits is even more affordable per million.
What underlying auto/home limits are required to get an umbrella?
Most umbrella carriers require underlying Auto liability limits of $250,000/$500,000/$100,000 (or $500,000 combined single limit) and Homeowners liability limits of $300,000 to $500,000. Our agency will help structure these seamlessly.
Does umbrella insurance cover legal defense fees?
Yes! Personal umbrella insurance pays for legal representation and court costs to defend you in a lawsuit. In most policies, these defense costs are paid in addition to your umbrella policy limit.
Shield Your Life’s Wealth Today
Fill out our quick form above or speak with a licensed advisory agent at Kaufman Insurance Group.