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Extra coverage for life’s “What-Ifs?”

If you’re anything like us, you tend to go the extra mile to protect the things you love the most. This is where umbrella insurance coverage comes into play.

umbrella insurance coverage

It’s designed to add an extra layer of liability coverage while going above and beyond the limits of your auto and homeowners insurance. It’s like packing those just-in-case socks.

Unexpected things happen all the time. We’re here so you don’t have to weather those storms alone. Our dedicated team is only a phone call away, ready to guide you on your path to protection. Talk to an agent today about finding an umbrella policy that’s right for you and your family.

What to Cover

Umbrella insurance generally provides liability coverage for:

  • An auto accident where you’re at fault
  • Harm caused to others by your dog, Fido*
  • Your klutzy friend falls in your home
  • A neighbor’s child is injured while playing in your yard and more

Coverage typically begins at $1M in excess liability protection and will kick in once your home/auto policy liability is exhausted.

*Restrictions and exclusions apply – not all breeds or animals are covered. See policy contract or contact us for details

How it Works

Let’s take a look at an umbrella policy in action.

If you’re at fault in a car accident in which another driver is injured, your auto policy may cover the medical costs for the other driver up to your policy’s limits. What happens if that’s not enough?

If the other driver’s injuries are severe, and they decide to sue you, that could be a major financial disaster for you. Suddenly, you must come up with additional funds. Your personal umbrella policy can swoop in and help cover these additional costs, so you aren’t stuck having to pay off that huge bill.

Umbrella Insurance

Learn more about the benefits of umbrella insurance by checking out our video. We’ll explain why you need this liability coverage for a rainy day.

Check out Prosper’s YouTube channel!

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