Umbrella Insurance

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An Umbrella Policy picks up where your Auto and Homeowners Policies leave off.  This type of policy protects your existing personal assets and future personal assets against the cost of losing a lawsuit over a car accident or an accident on your property.  If you were to lose such a lawsuit, you would likely have to pay the winning party for costs such as medical expenses and lost wages – this could quickly become very costly.  

Most Umbrella Policies require a $300K underlying liability limit on your Auto and Homeowners Insurance.  In other words, if you have a major accident and the amount you are liable for exceeds the $300K limit on the primary policy, your Umbrella Policy will kick in and cover the difference.

Umbrella Policies start at $1Million coverage with premiums as low as $100 a year.  You don’t have to be wealthy to need an Umbrella Policy.  Even without assets, your wages can still be garnished in the event of an accident.