Personal Umbrella Insurance

Standard policies cover a lot, but liability claims can quickly exceed base limits. The Insurance Station offers personal umbrella insurance that can provide an extra layer of liability coverage for individuals and families across Iowa.

What Is Personal Umbrella Insurance?

Personal umbrella insurance can provide liability coverage that goes beyond your auto, homeowners, renters, or other policy limits. If you're responsible for a major claim, such as a serious car accident or an injury on your property, your standard policy can pay only up to a specified amount. An umbrella policy can help cover legal fees, medical bills and damages that exceed your primary policy limits.

What Benefits Can This Coverage Provide?

This type of policy can offer several key benefits, including:

• Higher liability limits: Personal umbrella insurance increases your coverage, often by millions of dollars, above your current policies.
• Broader coverage: This policy may apply to many situations, including some personal injury claims, property damage and certain lawsuits.
• Asset preservation: It can help you keep your savings, home and other assets when faced with large liability claims.

Who Should Consider This?

Personal umbrella insurance may be a good choice for:

• Homeowners and renters seeking extra liability coverage
• Drivers who want added coverage beyond auto insurance
• Families with significant assets

How Do I Get the Right Coverage?

Your coverage needs can vary based on your lifestyle and finances. Consider the following factors:

• Business interests or activities that may increase liability
• Risks related to a pool, rental property or recreational vehicles
• Total asset value, including savings, property and investments
• Teenage or inexperienced drivers in your household

A licensed professional can review your policies and help determine the appropriate coverage level.

Get Started Today

Contact The Insurance Station to discuss your insurance options and get a no-obligation quote.