Personal Umbrella Insurance

To really feel secure about protecting your assets and your future, you may need an extra level of protection provided by a personal umbrella liability insurance policy. A personal umbrella liability can be very inexpensive for the coverage it provides, and it is often overlooked by many people who should have one. Ask us about a personal liability umbrella today.

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An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal and should provide comfort knowing you’re absolutely covered.

Imagine what would happen if your dog bit a neighbor’s child, or if there was an accident on your rental property. What would happen if a fire in your condo spread to other units? If any of these things happened to you, there’s a good chance your current liability limits wouldn’t be adequate to protect your assets or your future earnings.

When an umbrella policy takes over, it provides a second layer of protection of at least $1,000,000. Higher limits may also be available. Talk with Minnesota Lakes Insurance to determine the right amount of coverage for your needs.

An umbrella insurance policy also pays some claims not covered by your home, auto or other underlying insurance. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world. Legal defense fees could also be paid.

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