While everyone can benefit from added protection, umbrella insurance is especially important if you have assets or risks that could expose you to significant financial loss.

You Own a Home

Homeowners insurance covers many risks, but serious accidents — such as injuries on your property or incidents involving a pool — can lead to claims that exceed standard policy limits. Umbrella insurance helps cover these unexpected liabilities and protects your savings from large out-of-pocket costs.

You Have Teenage Drivers

Auto accidents involving teen drivers can be costly. Since they’re typically covered under your policy, you could be held financially responsible for damages that exceed your coverage. An umbrella policy extends your protection, shielding you from major expenses if a serious accident occurs.

You Own a Boat, RV, or Motorcycle

Recreational vehicles and boats often carry higher risks — and higher repair or injury costs. Umbrella insurance ensures you’re protected if an accident involving these vehicles results in expenses that go beyond your regular policy.

You Have a Dog

Dog-related injuries, such as bites, can result in medical bills, lost wages, or lawsuits. An umbrella policy adds an extra layer of liability protection, keeping you covered if an unfortunate incident happens.

Why Choose an Umbrella Policy

Umbrella insurance offers substantial protection at a low cost since it works alongside your existing home, auto, or recreational coverage. Plus, you may qualify for multi-policy discounts when bundling with your other insurance plans — giving you more coverage and more savings.