Everyone who owns a car, a pet, a swimming pool, and owns or rents a home is someone who has a liability risk every day. This is why we recommend all of our clients have umbrella insurance. Umbrella policies are an affordable option to provide additional coverages above and beyond your primary policy limits. Umbrella coverage limits start at $1 million and can go as high as $10 million.
Umbrella policies not only provide coverage if the limits of your homeowners or auto insurance policies are exhausted, but they also provide excess coverage if you own a boat, RV, motorcycle, or invest in a rental property. Umbrella policies also include personal injury coverage in the event you are sued for libel or slander, including the cost of your defense.