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An umbrella insurance policy is liability protection for you and your loved ones officially listed in your household from lawsuits exceeding your homeowners or auto liability levels.
Umbrella policies address the absolute most important coverage in a personal insurance policy–your liability. No one can predict when or if they will ever be sued. For a very reasonable premium, you can easily have 1 million dollars or more of liability protection for just-in-case catastrophic moments that happen in the blink of an eye. I carry this policy for me and my family and you should too.
Most people are not aware that it does not matter how much money you have saved or in assets. In most states, up to 25% of your monthly income can be garnished for years if you are found liable in any accident at a public event, school event, sporting event, social event among many others.
Some examples of what an umbrella policy protects you from:
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