Personal Umbrella

Extra Liability Protection for Your Home, Auto & Future

Living in Minnesota, Wisconsin, or Arizona means navigating unique risks — from winter accidents and icy roads in the Midwest to high‑traffic highways and recreational activities in Arizona. A single serious accident or lawsuit can threaten your home, savings, and long‑term financial security.

Personal Umbrella Insurance adds an extra layer of liability protection on top of your existing home, auto, or renters policies, giving you powerful peace of mind no matter where life takes you.

What Is Umbrella Insurance?

A personal umbrella policy provides excess liability coverage that activates after your underlying policies reach their limits. It protects you from large claims involving:

• Bodily injury
• Property damage
• Personal injury (libel, slander, defamation)

Coverage is typically available in $1 million increments, up to $10 million.

This is your financial safety net — designed to protect your assets, income, and future from high‑cost lawsuits.

How Umbrella Insurance Works

1. Your primary policy (auto, home, renters, etc.) pays up to its limit.
2. Your umbrella policy covers the remaining amount — often including legal defense costs.
3. Many policies include worldwide liability coverage.

Example:
If you cause a major auto accident on icy Minnesota roads or during Arizona travel season, and the claim exceeds your auto liability limit by $800,000, your umbrella policy steps in to cover the difference (up to your chosen limit).

What an Umbrella Policy Typically Covers

• Excess Bodily Injury & Property Damage Liability — When claims exceed your auto or home limits.
• Personal Injury Offenses — Libel, slander, defamation, wrongful eviction.
• Legal Defense Costs — Often covered even after primary limits are exhausted.
• Additional Exposures (with proper underlying coverage):
  • Rental properties
  • Vacation homes
  • Boats & personal watercraft
  • Recreational vehicles

Typical underlying requirements:

• Auto: 250/500 bodily injury + $100K property damage
• Home/Renters: $300K personal liability

Why Umbrella Insurance Matters in MN, WI & AZ

• Midwest Risks (MN & WI):

  • Winter driving accidents
  • Slips and falls on icy walkways
  • Snowmobile and recreational vehicle liability

• Southwest Risks (AZ):

  • High‑traffic collisions
  • Pool‑related injuries
  • Rental property exposures
  • Recreational vehicle and watercraft liability

Umbrella insurance helps protect you from the unexpected — no matter the state or season.

Why Choose Umbrella Insurance?

• Affordable Protection — Often around $125–$300 per year for the first $1 million (varies by state and risk profile).
• Bundling Savings — Combine with auto, home, or renters for additional discounts.
• Flexible Options — Add coverage for multiple vehicles, rentals, watercraft, and more.

Who Benefits Most from Umbrella Insurance?

Umbrella coverage is especially valuable if you:

• Own a home or significant assets
• Have a high income or net worth
• Have teenage drivers
• Own a swimming pool, trampoline, or rental property
• Host frequent guests
• Travel internationally
• Participate in higher‑risk activities

If you have something to protect, umbrella insurance helps protect it.

Complete Protection for Your Lifestyle

We also offer:

• Auto Insurance
• Home Insurance
• Renters Insurance
• Condo Insurance
• Recreational Products Insurance
• Business Insurance

Bundle multiple policies for maximum savings and full‑coverage confidence.

Ready to Add This Critical Layer of Protection?

Don’t wait until a lawsuit threatens your lifestyle. A Personal Umbrella Policy is one of the smartest and most cost‑effective ways to protect your assets in Minnesota, Wisconsin, and Arizona.

Get a free, personalized umbrella insurance quote today — and secure the protection your future deserves.