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Lang Insurance Blog

All You Ever Wanted to Know About Insurance

Your Personal Umbrella Policy

A personal umbrella policy is designed to protect you from major claims and lawsuits so that you can protect your assets. When accidents happen, lawsuits might follow. A personal umbrella policy works with your existing insurance to add the extra layer of protection that you may need by adding coverage above the limits of your homeowners, auto and boat insurance policies.


As a homeowner, your potential for a liability loss is always present. A visitor is injured slipping on your basement steps; your dog bites the neighbor’s child; or someone is injured jumping into your swimming pool. You could be presented with expensive medical bills in any of these situations. An umbrella policy could give you that additional layer of protection.


Liability coverage on your auto policy protects you when there is damage or an injury caused by you. You may use up your auto coverage policy in the event of a serious accident or be presented with high medical bills should someone be injured by you.


Boaters aren’t exempt from lawsuits, as accidents can occur at any time on the water. People on skis or tubes being pulled by your boat can be injured by your boat or another boat. Injuries from these accidents could surpass the coverage from your boat insurance policy.  

There are several other features of the umbrella that make it a vital policy to own. An umbrella policy can extend your protection to situations in which you would otherwise not be covered by your underlying policy. Both primary and umbrella policies have the obligation to defend you, even if the suit is determined to be frivolous.  

When you shop for an umbrella policy, begin with the companies that have your home and auto coverage so that you can save money on your premiums by packaging your policies. Lang Insurance can help you find the coverage you need.