Extra Protection When You Need It Most
Personal Umbrella Insurance
Get $1-5 million in additional liability coverage to protect your assets and future. Affordable umbrella insurance for New Jersey families.
Why You Need Umbrella Insurance
In today's litigious society, a single accident or incident can result in a lawsuit that exceeds your standard insurance limits.
Asset Protection
Protects your home, savings, and investments from lawsuits
- Home equity protection
- Investment accounts
- Future earnings
- Personal property
Auto Liability Extension
Additional coverage beyond your auto policy limits
- Serious accidents
- Multiple vehicle incidents
- Teen driver protection
- Guest driver coverage
Personal Liability
Coverage for incidents at home or elsewhere
- Dog bite liability
- Pool accidents
- Slip and fall incidents
- Sports injuries
Legal Defense
Coverage for legal fees even if you're not at fault
- Attorney fees
- Court costs
- Settlement costs
- Defense expenses
Choose Your Protection Level
Select the right amount of umbrella coverage based on your assets and risk exposure.
$1 Million
Starting at $150/year
$2 Million
Starting at $220/year
$3 Million
Starting at $290/year
$5 Million
Starting at $440/year
Who Needs Umbrella Insurance?
If any of these situations apply to you, umbrella insurance provides essential protection.
Homeowners
Protect your home equity and assets from lawsuits
Parents with Teen Drivers
Extra protection for inexperienced drivers
Pool or Trampoline Owners
Coverage for attractive nuisances
Dog Owners
Protection from bite liability claims
High Net Worth Individuals
Shield substantial assets from litigation
Landlords
Additional liability coverage for rental properties
Umbrella Insurance Questions
What is umbrella insurance?
Umbrella insurance is extra liability coverage that protects you beyond the limits of your auto and home insurance policies. It kicks in when those limits are exhausted and provides additional protection for your assets.
How much umbrella coverage do I need?
Coverage needs vary based on your assets, income, and risk exposure. Most people start with $1-2 million, but those with significant assets or higher risk factors may need $5 million or more.
What does umbrella insurance cover?
Umbrella insurance covers bodily injury liability, property damage liability, and personal liability situations like libel, slander, and defamation. It also provides legal defense coverage.
Is umbrella insurance expensive?
Umbrella insurance is surprisingly affordable. A $1 million policy typically costs $150-300 per year, making it one of the best values in insurance protection.