Umbrella Liability

You've insured your car and your home. If the unexpected should occur, make sure you are protected.

A personal umbrella insurance policy offers an extra layer of liability protection for your assets if there's a serious auto accident or accident on your property. Otherwise, you could be liable for more than your current auto or homeowner’s coverage limits.

How personal umbrella insurance coverage works

Consider this scenario:

  • Your home insurance provides $700,000 of liability coverage.
  • A serious accident occurs on your property, and you’re sued for $1.7 million resulting in a judgment against you.
  • Your insurance would pay up to $700,000 for a covered accident, but you would need to come up with the remaining $1 million. 


If you had $2 million of coverage under an umbrella insurance policy, you would not need to liquidate your assets to pay the remaining $1 million in this example.

Personal liability insurance helps protect your wages, house, investments, cars and boats from being at risk if a serious accident occurs.

Take the next step

Let the team of experts at Gatta Insurance provide you with an umbrella quote to provide the coverage you need to protect your assets.