Don't get caught in the rain without an umbrella!!

Here's why you should consider an umbrella policy.

It's taken you years to be where you are today! You have saved for retirement, own a nice home, a car or two, maybe even a boat. These aren't just markers of a successful life; they are your family's financial future and security. All of it could be at risk as a result of an accident or liability lawsuit.

Even though we try to avoid them, accidents do happen. If you were to cause a major auto accident involving major property damage and/or extensive injuries to other parties, your hard-earned assets could be at risk. The cost of the property damage, injuries to other parties, and/or subsequent lawsuits could quickly and easily exceed the limits of your auto insurance. That's why you should consider a personal umbrella policy. It protects you over and above the limits of your liability policies. An umbrella policy steps in to help protect your assets and prevent financial hardship.

Lawsuits are costly and in todays society are not uncommon. It's not just auto accidents you need to worry about. You need to protect yourself from other types of accidents as well. Imagine this: You're having a graduation party and someone slips, falls, and is injured. Think you won't be sued, well think again! A lawsuit could destroy your financial security, but an umbrella policy could step in to protect you.

A personal umbrella policy can protect you. You ask "How?" It offers protection over and above your auto, homeowners and other policies. Your umbrella policy is an added protection. You get into a car accident, you're sued, and your auto policy only covers you up to a policy limit. What will you do after the fact that your limits are exhausted? Well, your umbrella policy kicks in and covers you for an additional amount. Which is up to the limit you choose on your umbrella policy. It's added protection, plain and simple.

Limits for umbrella policies can start at $1 million and can go as high as $10 million. Rates are lower than you may think. An umbrella policy covers a wide variety of liablity situations and is protection you should seriously consider.