Personal Umbrella Insurance

Personal Umbrella Insurance

Extra Protection for Life’s What-Ifs

A personal umbrella policy is your extra layer of liability protection. It sits on top of your auto, homeowners, or other primary insurance policies, providing coverage when those limits are exhausted. If a serious accident or lawsuit occurs, an umbrella policy helps protect your savings, home, and future from being put at risk.

Why It Matters

Even with solid auto or home insurance, a single claim could exceed your limits — leaving you personally responsible for the difference. Umbrella insurance can add $1 million or more in extra liability protection for a surprisingly affordable cost. It’s peace of mind knowing you and your family have a financial safety net in place.

What Umbrella Insurance Can Cover

• Bodily injury liability – Medical costs if someone is injured and you’re held responsible.

• Property damage liability – Protection if you or your family accidentally cause damage to someone else’s property.

• Legal defense costs – Attorney fees and court costs if you’re sued, even if the claim is groundless.

• Personal liability situations – Such as libel, slander, or defamation.

• Coverage beyond the basics – Extends over your auto, home, and other eligible policies for added security.

Who Needs Umbrella Insurance?

• Homeowners, renters, or condo owners seeking extra liability protection.

• Families with teen drivers or multiple vehicles.

• Individuals with pools, trampolines, or frequent gatherings at home.

• Anyone who wants to protect personal assets from unexpected lawsuits or claims.

The Bottom Line

Accidents happen every day, but they don’t have to threaten your financial future. A personal umbrella policy through TWFG Landeche Insurance is a smart, affordable way to extend your protection and secure greater peace of mind.