01/28/2026
Think your auto and homeowners insurance will protect you if something goes wrong? Think again.
Today’s lawsuits are bigger, more frequent, and far more expensive than most standard policies were designed to handle. When a serious claim exceeds your coverage limits, the financial fallout can be devastating.
Here’s why more people are adding personal umbrella insurance:
✅ Liability claims and payouts have surged over the last decade
✅ Umbrella claims have doubled, with average payouts up about 67%
✅ Jury awards in some states have exceeded standard policy limits by hundreds of thousands of dollars
✅ Legal defense costs alone can surpass $50,000 before a case is resolved
✅ $1 million in umbrella coverage may cost as little as $12–$25 per month
The cost of not having enough liability protection can far outweigh the cost of adding it. Personal umbrella insurance helps protect your savings, home equity, investments, and even future income — before one claim puts them at risk. If you would like to learn more about umbrella insurance, give our team a call. We're here to help.
