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Personal umbrella insurance is a type of liability insurance that provides an extra layer of protection beyond the coverage limits of your primary insurance policies, such as homeowners, auto, or renters insurance.


It is designed to safeguard your assets and future income in the event that you are held responsible for causing bodily injury, property damage, or personal injury to others.

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Umbrella Insurance

Extended Liability Coverage

Personal umbrella insurance kicks in when the liability limits of your underlying policies (such as auto or homeowners insurance) are exhausted. This additional coverage is often in increments of one million dollars.

Broad Range of Coverage

It typically covers a wide range of liability situations, including but not limited to bodily injury, property damage, libel, slander, and other personal liability issues.

Legal Defense Costs

In addition to the coverage limits, personal umbrella insurance usually includes coverage for legal defense costs. This can be crucial, as legal expenses can quickly add up in the event of a lawsuit.

Worldwide Coverage

Personal umbrella insurance often provides coverage worldwide, offering protection whether you're at home or traveling abroad.


Considering the amount of coverage it provides, personal umbrella insurance is often
relatively affordable. The cost can vary depending on factors such as the amount of coverage needed
and individual risk factors.

Asset Protection

The primary purpose of a personal umbrella policy is to protect your assets from being at risk in the event of a lawsuit. If you are found liable for a significant amount and your primary insurance coverage is exhausted, the umbrella policy helps to cover the excess.


To be eligible for a personal umbrella policy, insurers typically require you to have a certain level of underlying liability coverage on your auto and homeowners policies.


Like any insurance policy, a personal umbrella policy may have exclusions. It's essential to understand these exclusions to ensure you have appropriate coverage for your specific needs.

It's crucial to assess your individual risk exposure and financial situation to determine if personal umbrella insurance is right for you. If you have substantial assets that could be at risk in a lawsuit, or if you want extra peace of mind, a personal umbrella policy might be a prudent investment. Consulting with an insurance professional can help you determine the appropriate coverage for your specific circumstances.

Annagard Insurance Agency is always here for all your insurance needs. Please feel free to call us at any time, we will be delighted to speak with you.

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