Umbrella Insurance
A second line of defense for your home, your savings, and the income you haven't earned yet.
The policy that protects what your other policies can't.
What does an umbrella policy cover?
Umbrella is personal catastrophe coverage. It sits on top of the liability limits in your auto, homeowners, condo, or renters policies and steps in when a claim exceeds what those policies will pay — which, in today's legal environment, happens more often than most people expect.
Policies start at $1 million and scale up to $5 million or more. An umbrella may also cover certain claims your underlying policies exclude entirely, such as libel, slander, or false arrest.
When you're deciding how much umbrella coverage to carry, the question isn't just what you own today — it's what you'd lose if a judgment came down tomorrow.
You have more to protect than you think.
A common assumption: "I don't have $1 million in the bank, so I don't need umbrella coverage." Unfortunately, lawsuits don't stop at what's in your checking account.
If someone is seriously injured on your property or in a car accident you caused, a judgment can reach into:
Retirement accounts and investments
Home equity (in some states, including the forced sale of your home)
Future wages, garnished for years to satisfy a settlement
Inheritance and other assets that haven't even arrived yet
If you own a home and have meaningful savings, investments, or future earning potential, an umbrella policy belongs in your financial plan — not as a luxury, but as the layer that keeps one bad day from undoing everything else you've planned for.