Personal Umbrella Coverage - Why Your Current Insurance Might Not Be Enough

Most people assume their home and auto insurance will protect them if something goes wrong. And in many everyday situations, it does. But when a claim exceeds those limits—or falls into a gray area—your personal assets may be exposed. That’s where personal umbrella insurance comes in. An umbrella policy provides an extra layer of liability protection when life becomes complicated, expensive, or unpredictable.

What Is Personal Umbrella Insurance?

Personal umbrella insurance is additional liability coverage that sits on top of your existing home, auto, and other personal policies. It helps protect you financially if you’re held responsible for damages or injuries that exceed the limits of your standard coverage.

In simple terms:

• Your auto or home policy is the first line of defense

• Your umbrella policy steps in when those limits are reached

A personal 'umbrella' policy helps protect you financially if you’re held responsible for damages or injuries that exceed the limits of your standard personal insurance coverage.

What Does an Umbrella Policy Typically Cover?

An umbrella policy can help cover claims related to:

• Serious auto accidents with significant injuries

• Accidents on your property

• Lawsuits for bodily injury or property damage

• Certain personal liability situations not fully covered elsewhere

  
  

It may also help with legal defense costs—often one of the most expensive parts of a lawsuit.

Why Umbrella Insurance Matters More Today

Liability claims are rising, and settlements can escalate quickly. Even people who consider themselves “low risk” may face exposure due to:

• Higher medical costs

• Increased litigation

• More drivers on the road

• More rental properties, short-term rentals, and shared spaces

Umbrella insurance isn’t about expecting the worst—it’s about protecting what you’ve built.

Who Should Consider a Personal Umbrella Policy?

Umbrella insurance isn’t just for the ultra-wealthy. It’s often recommended for people who:

• Own a home or rental property

• Have teen or multiple drivers in the household

• Entertain guests frequently

• Own recreational vehicles or watercraft

• Want added peace of mind beyond standard policy limits

If you have assets to protect—or future income you want shielded—an umbrella policy is worth discussing.

How Much Coverage Do You Need?

Umbrella policies typically start at $1 million in coverage and can increase from there based on your situation.

The right amount depends on:

• Your assets

• Your risk profile

• Your existing policy limits

• Your long-term financial goals

  
  

This is where working with an experienced advisor makes a difference.

The CH Insurance Approach

At CH Insurance, umbrella coverage isn’t sold in isolation. It’s reviewed as part of your full risk picture—how your policies work together and where gaps may exist.

Our role is to help you:

• Understand your real exposure

• Coordinate coverage across policies

• Choose protection that makes sense for your life—not just your premiums

The Bottom Line

Personal umbrella insurance is one of the most cost-effective ways to protect yourself against the unexpected. It doesn’t replace your existing coverage—it strengthens it.

If you’re not sure whether your current protection is enough, that conversation alone can be worth it. Because when it comes to liability, it’s not just about what you own today—it’s about protecting your future. CH is in your corner.