An umbrella policy was created to provide additional coverage when a lawsuit brought over injuries and/or property damage that you cause exceeds the liability limits on your car insurance, home insurance, boat insurance, etc. It provides additional lawsuit coverage of $1 million or more, it provides added legal defense costs and it provides liability coverage for lawsuits NOT covered by your underlying auto or home insurance. Eveyone concerned about losing income or assets in one large lawsuit NEEDS an umbrella policy. You can’t control whom you might injure. It’s better to have more coverage than less coverage in case you are brought into a lawsuit. We can offer comprehensive umbrella policies from $1 million to $5 million.
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