Essential Protection You Need: Personal Umbrella Insurance

In the world of insurance, personal umbrella insurance stands out as a crucial shield against unforeseen liabilities. It’s a policy you won’t regret having, especially when faced with the complexities of car accidents, slip-and-fall incidents, and other unexpected scenarios.

Importance of Personal Umbrella Insurance

As an insurance agent, I’ve witnessed firsthand the devastating consequences of liability claims that exceed the limits of primary auto and homeowners insurance. That’s where personal umbrella insurance steps in, providing an extra layer of protection for your assets and estates.

What Does Personal Umbrella Insurance Cover?

Personal umbrella insurance primarily covers two areas:

  1. Part A: Liability Protection: This safeguards you against bodily injury and property damage claims that surpass the limits of your primary auto and homeowners insurance.
  2. Part B: Uninsured/Underinsured Motorist Coverage: This protects you and your family from drivers with inadequate liability coverage or those who lack any coverage at all.

Benefits of Personal Umbrella Insurance

  • Comprehensive Coverage: Personal umbrella insurance offers broad protection against a wide range of liability situations.

  • Financial Security: It safeguards your assets and estates from costly settlements and judgments.
  • Peace of Mind: Knowing you have this extra layer of protection provides peace of mind and reassurance.


Considering the potential financial ruin a liability claim can bring, personal umbrella insurance is an incredibly cost-effective investment.

Getting a Quote

The quoting process for personal umbrella insurance is straightforward. Simply provide your insurance agent with the following information:

  • Number of vehicles and drivers
  • Homes, including rentals
  • Watercraft, including personal watercraft (PWCs)

Important Note About Personal Umbrella Insurance

Always inform your umbrella carrier when you purchase a new car to ensure continuous coverage.

Scenarios Where Personal Umbrella Insurance Proves Invaluable

  1. You’re at fault in a car accident, causing severe injuries to the other driver. Your primary auto insurance limits may not be sufficient to cover the damages, leaving you personally liable.

  2. A family member is injured in your vehicle due to the negligence of another driver. Personal umbrella insurance can help cover medical expenses and lost wages.

  3. You’re walking on the sidewalk and struck by a motor vehicle. If the driver has insufficient liability coverage, personal umbrella insurance can step in.

The Holy Grail of Personal Liability: Part B

Part B of the umbrella policy, the Uninsured/Underinsured Motorist Coverage, is the cornerstone of personal liability protection. It safeguards you from the financial repercussions of accidents involving uninsured or underinsured drivers.

Not All Insurance Companies Offer Part B

The availability of Part B coverage varies among insurance companies. However, as your dedicated insurance agent, I’ll work tirelessly to find you the right coverage at the best price.

Always Check Your Coverage

Whenever you purchase an insurance policy, carefully review the coverage details, including exclusions, limits, and the importance of Part B.

Personal umbrella insurance is an essential safeguard against the unpredictable nature of liability claims. It provides peace of mind, financial security, and comprehensive protection for your assets and loved ones. 

LG Insurance is proud to offer comprehensive Personal Umbrella Insurance that can protect you from a wide range of liability claims. Our experienced insurance agents can help you find the right coverage at the best price. Contact us today to get a quote.

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