The Hidden Benefits of Personal Umbrella Insurance

Most people don’t think about umbrella insurance until they really need it. And by then—it’s usually too late.

We used to assume our regular auto and homeowners insurance had us completely covered. But after a friend faced a lawsuit following a serious car accident, we realized just how quickly things can spiral—and how fast liability limits can run out.

That’s when we learned about personal umbrella insurance.

It’s not just for the wealthy or the ultra-cautious. Umbrella insurance steps in when your other policies max out. Whether it’s an accident on your property, a serious crash, or even a legal claim from a social media post, this extra layer of protection helps cover legal fees, medical bills, and damages—beyond your standard insurance limits.

And the cost? Surprisingly affordable for the peace of mind it brings.

We haven’t needed to use it (thankfully), but knowing it’s there makes us sleep better at night. If you have assets, a family, or just want to protect your future, umbrella insurance is one of the smartest moves you can make.

Talk to RISE 📞 423-541-1111