Protects your assets. Having a personal umbrella policy helps ensure your assets—your car, house, investments, retirement accounts, checking and savings accounts, and even your future income—are protected in case of an unforeseen accident that exceeds your auto or homeowners limits.
Better protects you. You are protected for incidents that you might not even consider, such as if you are liable for injuries while traveling abroad renting a boat or Jet Ski, or driving a car provided by your employer.
Offers peace of mind. An umbrella policy provides peace of mind that you, your loved ones, and your assets are protected against large lawsuits.
Covers legal fees. The costs of legal defense can be staggering and must be paid even if you win. A personal umbrella policy pays these fees in addition to your umbrella limit of insurance.
Protects your charity work. If you are an active member in your community or with a local nonprofit charitable, religious, or civic organization, most personal umbrella policies automatically cover you if anything happens while you are volunteering for the organization.