How Does Personal Umbrella Insurance Provide Extra Liability Protection Beyond Home and Auto Policies? 

When it comes to insuring your assets and financial future, standard home and auto insurance policies may not always be enough. At M.L. Ruberton Agency, we understand that our clients want to be assured that they’re sufficiently covered if the unexpected happens.

What Is Personal Umbrella Insurance?

Personal umbrella insurance offers additional liability coverage once the limits of your home or auto insurance have been reached. If you’re faced with a major claim or lawsuit, such as a serious car accident or a grave injury on your property, your existing policy may only cover up to a certain amount. Umbrella insurance steps in to help cover costs that exceed those limits.

It can also provide coverage for situations not typically included in standard policies, such as libel or slander claims and liability for incidents involving rental properties.

Who Should Consider Umbrella Insurance?

People who have significant assets to protect or a higher-than-average risk of being sued may benefit the most from a personal umbrella insurance policy. These include:

• Individuals with multiple properties
• High income earners
• Families with teen drivers or multiple vehicles
• Those with swimming pools or trampolines on their properties

How M.L. Ruberton Agency Can Help

We’re committed to helping our clients understand their insurance options and secure the right level of liability coverage. Our team will review your current home and auto policies, assess your risk and recommend a personal umbrella policy tailored to your needs. Contact us today if you’re interested in a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.