Personal Umbrella Insurance

If you’re caught in a storm, a raincoat is helpful. But carrying an umbrella gives you an extra layer of protection.

Same for insurance. An Umbrella policy gives you an extra layer of liability coverage over-and-above your Auto or Homeowners policies.

Umbrella insurance from Autumn helps safeguard from liability claims involving your vehicles, home or personal property. This “safety net” helps pay for judgments against you that exceed the limits of your basic insurance. For example, let’s say your car insurance covers liability up to $500,000. If you cause an accident that leaves a driver with $750,000 in medical bills, an Umbrella policy would kick in the remaining $250,000.

woman standing on a road in a raincoat

Remember, as your wealth grows, so does your exposure to lawsuits.

The more you have in personal assets, the bigger target you are for plaintiff’s attorneys, and the more you stand to lose if your actions result in injury or loss to someone.

You’ve worked hard to make a good life. But if you get sued, your earnings, your home, your belongings — even your retirement are all at risk. Legal fees and aggressive settlements can ruin anyone who’s not protected. It only takes a single unplanned mishap to see your assets, investments, and retirement savings disappear. Overnight.

An Umbrella policy begins where your other policies end. We suggest buying $1 million of protection (or more if needed). Considering the large potential payouts, the cost is surprisingly inexpensive — especially if you carry Auto and Homeowners with Autumn. Because we’re an independent agency, we’ll assemble cost-effective options from a variety of top-rated carriers. Our experts will find a policy to fill any gaps in your coverage and prevent an accident from becoming a disaster.

For a free personalized risk review, contact us. And take cover from the storm.

Frequently Asked Questions

What does Personal Umbrella Insurance cover?

Umbrella insurance from Autumn safeguards you from liability claims involving your vehicles, home or personal property. This “safety net” helps pay for judgements against you that exceed the limits of your basic insurance.

Why should I get Personal Umbrella Insurance?

The more you have in personal assets, the bigger target you are for plaintiff’s attorneys, and the more you stand to lose if your actions result in injury or loss to someone. Legal fees and aggressive settlements can ruin anyone who’s not protected. It only takes a single unplanned mishap to see your assets, investments, and retirement savings disappear.

Scott O'Neill

Meet Scott O’Neill

Personal Umbrella Insurance Specialist

Okay, let’s get you covered — with powerful, affordable Umbrella liability coverage. I look forward to answering all your questions, sharing some clear-cut advice, and helping you understand exactly what you’re getting.

Talk to Scott

Talk to an Agent

Contact Scott Now