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

If you answered yes to one or more of these questions, then you may want a personal umbrella policy.

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.

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.