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Why Even You Need Umbrella Insurance Coverage

Anyone can be the subject of a million dollar lawsuit resulting from injury or death from car, home or boat accidents.  An umbrella insurance policy protects you from catastrophic liability that may be directed against you in the event of accidents you may be held responsible for. 

What a Personal Umbrella Insurance Policy Covers

An umbrella policy provides additional liability limits to your home, condo , renters and auto policy of at least $1,000,000. You can acquire more coverage up to $5,000,000 as well. This policy also covers things that may be excluded from other policies already in place.

Imagine these genuine scenarios:

  • A friend assisted your son in cleaning your house gutters. The friend suddenly lost his balance and fell off the ladder, resulting in a severe neck injury. The boy’s family filed a lawsuit against you. In light of the many surgeries he must undergo, the jury awarded the injured boy’s family $1,500,000.

  • The rainy conditions certainly contributed to the crash you were involved in. Nonetheless, you, alone, are responsible for the single mother and her toddler child's severe injuries. The lawsuit culminated in a jury decision to award them with $1,700,000.

  • Vacations are supposed to be happy junctures. Nothing is guaranteed though: your teenage son lost control while skiing down a slope, resulting in four other people's injuries. The jury awarded $1,200,000 to one, whose injuries included face disfiguring.

  • As your wife drove your young children and their pals to a ball practice, she crashed into another car. A number of kids were severely hurt. The jury awarded $1,600,000 to the families of these children.

Do you need umbrella insurance? Take the test.

Are you a homeowner or condominium owner?
Do you rent your home?
Do you own a vehicle?
Are there any young drivers in your household?
Do you own and operate a boat, ATV or motorbike?
Are you an active family with children?

If you answered yes to any of the above questions, you should consider a personal umbrella policy. At less than the cost of a cup of coffee, you can acquire this protection that can literally shield you from financial ruin.  

For more information about a personal umbrella insurance policy, contact an experienced independent agency that takes the time to adequately educate consumers.


PRIME Insurance is an A++-rated agency that has won wide recognition from the industry and the thousands satisfied customers it services. Winner of prestigious awards and appointed to do business with scores of the leading carriers, such as ASSURANT, GUARD, Liberty Mutual, Peerless, MiddleOak, Safeco, UPC, TRAVELERS, ZURICH and more, PRIME shops its broad network to bring you excellent policies at competitively lowest quotes.

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Summary: An umbrella insurance policy protects you from catastrophic liability that may be directed against you in the event of accidents you may be held responsible for.


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