Extra Protection When You Need It Most
Personal umbrella insurance provides additional coverage beyond your standard policies, protecting you from major incidents that could impact your finances. Strata Insurance Group helps you find the right policy to fill the gaps in your coverage.
Why Personal Umbrella Insurance Matters?
Standard homeowners, auto, or watercraft insurance policies have liability limits. A serious accident or lawsuit could exceed those limits, leaving you financially exposed.
Personal umbrella insurance steps in when your primary policies reach their limits, offering extra financial protection and peace of mind.
What Personal Umbrella Insurance Covers?
Protection Beyond Your Primary Policies
Umbrella insurance policies may include:
- Excess Liability Coverage – Extends liability protection beyond your homeowners, auto, or watercraft limits
- Bodily Injury Coverage – Protection for injuries caused to others in covered incidents
- Property Damage Coverage – Covers damage caused to others’ property exceeding your standard policy limits
- Legal Defense Costs – Pays for attorney fees, court costs, and settlements
- Worldwide Coverage – Protection for incidents occurring anywhere
Coverage limits typically start at $1 million and can be increased based on your needs.
Why Personal Umbrella Insurance Is Important?
- Provides financial protection from major lawsuits or claims
- Covers gaps in your existing insurance policies
- Protects assets such as savings, home equity, and investments
- Offers peace of mind in high-risk situations
Umbrella insurance is an essential safeguard for individuals with significant assets or high liability exposure.
