We always make sure that we secure what’s important to us. Personal umbrella insurance is a type of insurance designed to add extra liability coverage over and above another insurance policy, such as auto or homeowners insurance.

Umbrella insurance is meant to help protect you from large and potentially devastating liability claims or judgments. It is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future.

Here are some examples of what is typically covered by Umbrella Insurance:

Injuries (Bodily injury, Personal injury, etc) - Examples include the cost of medical bills and/or liability claims as a result of the following, but not limited to:
o Injuries to other parties due to a serious auto accident where you are at fault
o Harm caused to others as a result of your pet
o Injuries sustained by a guest in your home due to an accident
o Injuries sustained by a neighbor's child who falls while playing in your property

Landlord liability - helps protect against liability that you may face as a landlord. Examples include the cost of liability claims as a result of the following, but not limited to:
o Someone tripping over a crack in the sidewalk of your rental property and suing you for damages
o Your tenant's dog or pet biting someone and you are being held responsible for the injuries

Damage to property - covers the cost of damage or loss to another person's tangible property. Examples include the cost associated with the following, but not limited to:
o Damage to vehicles and other property as a result of an auto accident where you are at fault
o Damage claims incurred when your pet rips a friend's priceless oriental rug to shreds
o Accidental damage to school property caused by your child (hey, you can't disown them)

Certain lawsuits – examples would be, but not limited to:
o Slander – injurious spoken statement
o Libel – injurious written statement
o False arrest, detention, or imprisonment
o Malicious prosecution
o Shock/mental anguish
o Other personal liability situations


To sum it up, Umbrella insurance is extra liability insurance. Umbrella insurance is inexpensive being anywhere from $150 – $700 annually depending on the risks. Contact John Perry Insurance today, and we can definitely help you in signing up for your own Umbrella Insurance. Call us at 863-777-4966 today for FREE insurance consultation!