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Why Purchasing a Personal Umbrella Policy is a Wise Decision

May 30, 2018


Why Purchasing a Personal Umbrella Policy is a Wise Decision

One of the most important insurance policies you can buy is the personal umbrella policy, but many people are unaware they need one.  This policy provides high limits of liability to protect you against a catastrophic liability loss.  It pays after your homeowners or personal auto policies' limits have been exhausted.   I have attached some Umbrella Insurance Scenarios as examples for illustrative purposes.


In particular, you should consider purchasing a personal umbrella policy if you have certain characteristics or engage in certain activities, including the following:

• Your total assets are greater than your underlying liability limits.

• You are financially responsible for the actions of a young, inexperienced driver.

• You live in an exclusive and affluent neighborhood.

• You have a high profile career or high income.

• You frequently host guests on your property.

• Your residence includes a swimming pool.

• You own waterfront property, a farm, or a ranch.

• You own watercraft or aircraft.

• You own numerous rental properties.

• You engage in extensive international travel for pleasure.


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