Personal Umbrella Insurance

Extra protection for life’s unexpected moments.
Sometimes standard insurance coverage isn’t enough. Personal umbrella insurance provides an added layer of liability protection that can help protect your finances, assets, and future if a major claim or lawsuit exceeds the limits of your underlying policies.
At Myers-Hill Agency, we help make insurance easier to understand. We’ll walk you through what umbrella coverage does, who it may be right for, and how it can help strengthen your overall protection

What Is Personal Umbrella Insurance?

What Can It Help With?

Personal umbrella insurance is designed to provide additional liability coverage beyond the limits of certain underlying policies, such as your auto or homeowners insurance.

If a serious accident or claim happens, umbrella coverage can help provide extra financial protection when your primary policy limits may not be enough.

This added protection can be valuable for individuals and families who want greater peace of mind and stronger protection against unexpected liability risks.

Depending on your situation and policy structure, personal umbrella insurance may help provide additional liability protection for situations such as:
Serious auto accidents
Injuries that occur on your property
Certain personal liability claims
Legal costs associated with covered claims
Protection beyond the limits of underlying policies
Umbrella insurance is often an affordable way to add an extra layer of security to your overall insurance plan.

Who Should Consider It?

Personal umbrella coverage may be worth considering if you:
Own a home
Have savings or assets you want to protect
Have teenage drivers in the household
Host guests at your home
Want added peace of mind beyond standard policy limits
Simply want broader personal liability protection
Even if you already have strong auto and home coverage, an umbrella policy can help fill an important gap.

Why Work With Policy Buddy?

We believe insurance should feel clear, personal, and practical.

When you work with us, you can expect:

Friendly, personalized guidance
Help understanding how umbrella coverage fits with your current policies
Access to multiple carrier options
Recommendations tailored to your needs
A local team that’s here when questions come up

We act as your personal insurance shopper, helping you compare options and make confident decisions.

Personal umbrella insurance can be a smart way to help protect your financial future from larger liability risks.

If you’d like to review your current coverage and see whether umbrella insurance makes sense for you, Policy Buddy is here to help.

Add an Extra Layer of Protection