Extended Protection for Life’s Unexpected Moments

Sometimes, life throws more at you than your standard insurance policies can handle. That’s where personal umbrella insurance comes in—offering an extra layer of liability coverage to safeguard your financial future when the unexpected happens.

Why Consider an Umbrella Policy?

Accidents can happen in an instant—but the financial consequences can last for years. Imagine a serious auto accident, a guest injured at your rental property, or your dog unexpectedly biting a neighbor. If damages exceed the liability limits on your home or auto policy, you could be left paying out of pocket.

An umbrella policy picks up where your other coverage ends, providing at least $1 million in additional liability protection, with higher limits available if needed.

Affordable Peace of Mind

Umbrella insurance is often surprisingly affordable—especially considering the significant protection it offers. For a modest premium, you can protect your current assets and future earnings from major lawsuits or claims that could otherwise derail your financial stability.

Coverage That Goes Further

Your umbrella policy isn’t just a backup for your other insurance—it may also cover situations your underlying policies don’t, including:

• Personal injury claims like libel, slander, or defamation
• Incidents that occur anywhere in the world
• Legal defense costs—even if the suit is groundless
• Liability claims involving your spouse or family members living with you

Is Your Liability Coverage Enough?

If you own a home, drive a car, have a rental property, or simply want to protect what you’ve worked hard for, umbrella coverage could be a smart move. It’s ideal for anyone with assets to protect or potential exposure to liability claims. 

Let’s Make Sure You’re Covered

At Summit Insurance, we’ll work with you to understand your risk profile and recommend a personal umbrella policy that fits your needs—and your budget.

Contact us today to learn how a customized umbrella policy can provide true peace of mind and protect the life you’re building.

Get a Free Umbrella Insurance Quote