As a responsible homeowner or renter, you probably have homeowner insurance to cover your greatest assets in the event of fire, natural disaster, theft, or vandalism. Likewise, you have auto insurance to protect your vehicles and to cover you for liability in case of an accident. 

Under many circumstances, this coverage is sufficient. However, there are situations where having additional coverage is a wise choice. This is where a personal umbrella insurance policy comes in. 

An umbrella policy provides extra liability coverage that takes over where your other policies leave off in the event of a claim. 

Who should have personal umbrella insurance? 

• Pet owners, especially if your dog has a history of biting, has demonstrated aggression, is a breed considered more dangerous, is around new people or children frequently, or is left unattended in the yard
• Landlords, including people who rent part of the property where they reside or who rent out a vacation property
• People who rent their property out through homestay sites like Airbnb
• People whose professions expose them to accusations of slander or libel, such as writers and journalists
• People who host a lot of parties or frequently entertain house guests
• Athletes who engage in high-risk sports or who coach youth sports
• Parents of children with a history of school violence or vandalism
• People who do volunteer work

This list is not exhaustive. Sadly, we live in a society where there are many lawsuits, some of them frivolous but damaging nonetheless. Many people find themselves surprised by the need for higher personal insurance. Don’t be caught off guard.

At Allco Insurance, we’re independent agents with access to the personal umbrella insurance products you need. Give us a call today at 714-992-2390, and we’ll help you find the perfect policy for you. Umbrella policies can offer protection of $1 million and higher. They also cover you and your family anywhere in the world you travel. 

It’s easy to add umbrella coverage to your current policy portfolio, so why not give yourself the peace of mind that comes with extra protection? And, for added assurance, we are a Dave Ramsey Endorsed Local Provider (ELP).

Get a Free Umbrella Insurance Quote