Coverage for the unforeseen.

Umbrella insurance is a form of liability insurance that will supplement your basic liability policies, such as your auto, home or renters insurance. An umbrella policy covers a higher limit and goes above and beyond claims directly relating to your home and auto.

The main purpose of your umbrella policy is to protect your assets from an unforeseen event. Your car, house, investments and retirement accounts, as well as your checking and savings accounts are all considered assets. If you don’t have enough liability insurance or an umbrella policy and someone sues you, all of these assets are vulnerable.

Typically people choose an umbrella policy to protect themselves from financial ruin due an unforeseen accident.