Why do you need an UMBRELLA?

Your family relies on you for everything you have. Could you afford to lose it all due to an accident at home or while driving? A personal umbrella policy is essential coverage that can protect you from unexpected events

A personal umbrella policy is critical coverage, designed to help protect you from life’s unexpected events.A personal umbrella can help protect you in situations, such as:


  • Bodily injury liability
  • Landlord liability
  • Slander and libel
  • Homeowners Liability
  • Property damage liability (damage or loss you cause to another party’s property)

Auto Accident:

Imagine you have an auto policy with a $250,000 limit for bodily injury, and also a $1 million personal umbrella policy. If you’re involved in a major at-fault auto accident and found liable for a $1.25 million judgment, your auto coverage will only cover up to $250,000. This means you could be responsible for the remaining $1,000,000. However, your personal umbrella coverage would step in to cover the remaining amount, protecting your finances and future.

Guest injured while visiting:

Could this happen? Someone slips on your sidewalk or falls while walking down the stairs. Hospital and doctor visits can add up quickly, and if the injury happened on your property, you could be responsible for covering the costs.

A personal umbrella policy could help protect you in the event that a guest is injured in your home. Personal umbrella protection may cover the difference between your home insurance liability limit and the actual judgment—up to your personal umbrella limit—which could be potentially millions of dollars—helping protect your family’s finances and future.

Who needs an Umbrella?

You are most at risk when your insurance is most at risk. Consider these times that we stongly recommend buying an Umbrella.

  1. You own a home
  2. You are a family with teenagers
  3. You own a boat
  4. You own a rental property
  5. You have any assets that a court could garnish(stocks, bonds, ira, retirement funds,mutual funds, boats, rental properties, and even your personal income)
Most umbrella polices start at about $170 per year for one primary residence and two cars. There are additional charges for children, boats, rental properties and each additional car. Let us put together an Umbrella quote for you today. Fill out the contact form and we will get in touch with you asap.

Start your free quote now!

Barrett Hill Home Insurance