Umbrella insurance offers additional financial security beyond your standard car and home insurance. It safeguards you and your family from potentially ruinous costs stemming from lawsuits, even if you unintentionally cause harm. This protection can cover situations like injuries or property damage resulting from self-defense, accusations of defamation or privacy violations, damage to someone else's property in your care, and legal actions like malicious prosecution or false arrest. Essentially, it fills gaps in your existing coverage, protecting you from a wide range of unexpected events that could lead to legal action.

The umbrella policy is always a great idea once you become established and have assets you would like to protect. They are normally reasonably priced and can give you an extra level of protection in the worst-case scenario situations.

Here at SIA, we strongly suggest everyone considers an umbrella policy. Peace of mind is extremely important when difficult situations arise. The umbrella can give you that piece of mind in the event of a large lawsuit. The personal umbrella policy responds once your limits of liability are exhausted on your underlying policies (auto, home, boat, ATV, camper, investment property, etc).