There is a myth that personal umbrella insurance is only for the wealthy and it is expensive. 

The purpose of a personal umbrella policy is to provide coverage when your underlying policy (homeowners, auto, watercraft, etc.) has been exhausted.

For that reason, and others, umbrella rates for the average household tend to be quite affordable. For a household with 1 home, 2 cars, and 2 drivers with clean driving records, $1 million of personal umbrella policy can start at -$250 annually.

Households that present greater risk will pay more but arguably have a greater need for the coverage as well. Examples would be households with a teen driver, a DUI, multiple jet skis, an international seasonal home, or those who live in a particularly litigious region.

Having a personal umbrella is vital to protecting your assets (including future earnings), in the event that you are sued. A personal umbrella also covers defense costs.

Even if we are not your broker for home and auto insurance, we can still sell you an umbrella policy.