Let Me Tell You Why I Got an Umbrella Policy

Let’s be honest for a second.

I used to think my home and auto insurance were enough. I mean, I had decent coverage, never got into major trouble, and I’m not exactly living a high-risk lifestyle.

But then, my friend was in a car accident — not a small one. Everyone was okay, thank goodness, but the other driver ended up with a big medical bill. The insurance only covered part of it... and my friend had to cover the rest. Out of pocket.

It was a six-figure bill.

That’s when I looked into personal umbrella insurance.

So, What Even Is It?

It’s basically backup. Think of it like an extra safety net that kicks in when your regular insurance (home, auto, etc.) runs out of coverage.

Let’s say you’re in a car accident or someone gets hurt on your property — and the costs go way above your policy limit. Your umbrella policy is what keeps you from having to dip into savings, sell assets, or go into debt just to pay it off.

Here’s Why It Gave Me Peace of Mind

• I’ve got teenage drivers. Enough said.

• I occasionally host parties or have friends over (hello, slip-and-fall risk).

• I drive. Every day. Like most people.

• I have a home, savings, and some investments I’d rather not lose if someone sued me.

I’m not rich, but I’ve worked hard — and I want to protect what I’ve built.

And the Best Part?

It wasn’t even expensive. I got $1 million in extra coverage for less than what I spend on coffee every month.

Now, I don’t worry as much about those “what if” moments — because I know I’ve got a cushion if life throws something big my way.

If you’ve ever wondered if you need more protection than your basic policies offer, this is it.
Umbrella insurance isn’t flashy. You won’t use it often (hopefully never). But if you do need it? It can be a game changer.

Just something to think about.