What is personal umbrella insurance?

Personal umbrella insurance provides additional liability coverage beyond the limits of your standard home and auto insurance policies. It helps protect your assets from significant claims and lawsuits.

When should I consider getting personal umbrella insurance?

You should consider umbrella insurance if you have substantial assets, are at higher risk of being sued (e.g., you own rental properties), or want extra peace of mind knowing you have additional liability protection.

How much coverage does a personal umbrella policy provide?

Personal umbrella policies typically start at $1 million in coverage and can go up to $10 million or more, depending on your needs and insurer. The amount you need depends on your assets and risk exposure.

Does umbrella insurance cover legal defense costs?

Yes, personal umbrella insurance usually covers legal defense costs in addition to the liability coverage. This can be crucial in helping you manage the expenses of defending yourself in a lawsuit.

Is personal umbrella insurance expensive?

Personal umbrella insurance is generally affordable, especially considering the extensive coverage it provides. Premiums typically range from $150 to $300 per year for $1 million in coverage.

Umbrella Insurance

Boost Your Protection with Our Personal Umbrella Policies

At Louis J Kirsch 3rd Insurance Agency, we understand that life's uncertainties can sometimes exceed your existing coverage limits. Our personal umbrella insurance policies provide an extra layer of protection, ensuring your assets and financial well-being are safeguarded against significant claims and lawsuits.

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Extended Liability Protection

Extended Liability Protection offers additional coverage beyond your standard home and auto insurance policies. This is crucial for protecting your assets in the event of a major accident or lawsuit, ensuring you don't face financial ruin.

Legal Defense Costs

Legal Defense Costs coverage includes the expenses associated with defending yourself in a lawsuit, even if you are not found liable. This coverage is important as legal fees can quickly escalate, and having this protection helps mitigate financial stress.

Worldwide Coverage

Worldwide Coverage ensures you are protected no matter where you are. Whether you're traveling for business or leisure, this coverage extends your liability protection globally, giving you peace of mind wherever you go.

Frequently Asked Questions

What is personal umbrella insurance?

Personal umbrella insurance provides additional liability coverage beyond the limits of your standard home and auto insurance policies. It helps protect your assets from significant claims and lawsuits.
When should I consider getting personal umbrella insurance?

You should consider umbrella insurance if you have substantial assets, are at higher risk of being sued (e.g., you own rental properties), or want extra peace of mind knowing you have additional liability protection.
How much coverage does a personal umbrella policy provide?

Personal umbrella policies typically start at $1 million in coverage and can go up to $10 million or more, depending on your needs and insurer. The amount you need depends on your assets and risk exposure.
Does umbrella insurance cover legal defense costs?

Yes, personal umbrella insurance usually covers legal defense costs in addition to the liability coverage. This can be crucial in helping you manage the expenses of defending yourself in a lawsuit.
Is personal umbrella insurance expensive?

Personal umbrella insurance is generally affordable, especially considering the extensive coverage it provides. Premiums typically range from $150 to $300 per year for $1 million in coverage.

An Extra Layer of Protection

In today's litigious society, having an extra layer of liability protection is essential. At Louis J Kirsch 3rd Insurance Agency, our personal umbrella insurance policies provide the additional coverage you need to safeguard your financial future.

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