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Do I Need a Personal Umbrella Policy?

  • Do I own and/or operate a vehicle, watercraft, motorcycle, motor home, recreational vehicle?
  • Do I own or rent a home or condominium, rental properties, vacation homes, or vacant land?
  • Do I have any pets?
  • Do I have a swimming pool?
  • Do I operate any insured businesses out of my home?

A personal umbrella policy is additional liability insurance, above and beyond underlying policies you maintain, that protects your financial assets by complimenting and extending the coverage that is afforded under your personal auto, homeowners and other primary policies. 

Today, nearly everyone should consider personal umbrella coverage.  A personal umbrella policy can provide additional liability coverage when unforeseen circumstances arise due to accidents, negligence and lawsuits. Umbrella policy limits range from $1,000,000 and can go as high as $10,000,000, depending on the carrier. 

Today, ever increasing medical costs and unforeseen lawsuits are driving settlements into the thousands and sometimes millions of dollars. These amounts can easily exceed your primary liability limits afforded under your automobile, homeowner, rental, motorcycle, watercraft and other policies, and if found liable or negligent, the difference could come directly out of your pocket in a court settlement or law suit. 

Discuss with an insurance agent for further details and suggestions to properly cover you and your family in situations that could arise.  An umbrella policy is a cost effective method to protect your assets and future earnings while providing you with peace of mind.


Only Flood Insurance Covers Floods

Did you know that your home has a greater chance of being damaged by a flood than a fire? It’s true, according to

Unfortunately, your homeowners insurance policy won’t cover the damage to your home or property; only flood insurance will cover the losses.

Find out more: Flood Insurance from Erie Insurance