personal liability

    An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policies, your Personal Liability umbrella insurance policy takes over and provides you with additional protection. 

Key issues umbrella polices protect you against: 

-Legal fees: This is the defense cost and any fees..

-Medical expense liability: An umbrella insurance policy extends your basic coverage to fully protect you against someone getting hurt on your property, your vehicle injuring somebody, etc.  This coverage starts when your basic coverage's are exhausted.

Umbrella policies are the inexpensive way to protect yourself.  Keep your home and lifestyle safe with this additional liability coverage.

Additional Coverage:

    One of the most important additional coverage options for an umbrella policy that you can purchase  is uninsured/ underinsured motorist coverage.  If you are injured and not at fault and the other persons did not have insurance or enough insurance this will cover you.   It is recommended to protect yourself with this coverage on you auto policy and Umbrella policy