A personal umbrella policy provides increased limits of liability to help protect you against a catastrophic liability loss.

Is a personal umbrella policy right for you?

Personal umbrella policies are growing in popularity. Today, people should seriously consider obtaining this type of coverage for protection in our society’s increasingly litigious climate. As the tendency to sue for damages rises and awards granted by the courts grow, the personal umbrella policy is increasingly seen as an insurance necessity rather than a luxury. It is especially attractive because of its relatively low cost.

In particular, you should consider purchasing a personal umbrella policy if you have certain characteristics or engage in certain activities, including the following:

• Your total assets are greater than your underlying liability limits.
• You are financially responsible for the actions of a young, inexperienced driver.
• You live in an exclusive and affluent neighborhood.
• You have a high profile career or high income.
• You frequently host guests on your property.
• Your residence includes a swimming pool.
• You own waterfront property, a farm, or a ranch.
• You own watercraft, aircraft, or off-road vehicles.
• You own numerous rental properties.
• You engage in extensive international travel for pleasure.

A personal umbrella policy provides increased limits of liability to help protect you against a catastrophic liability loss. For example, a major car accident may injure numerous people or cause head injuries or death that will result in liability far in excess of the limits typically purchased in a personal auto policy. An umbrella policy sits on top of the auto and homeowners policies to provide higher limits of protection. To learn more about personal umbrella policies, please contact our team of insurance specialists at The Arizona Group at (480) 892-8755.

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