Personal Umbrella Insurance in Guilford, CT

You’ve done the responsible thing, you have homeowners and auto insurance. You feel protected. But what happens if a serious accident leads to a lawsuit that exceeds the liability limits on those policies? 

 In today’s world, legal awards can easily reach a million dollars or more, putting your savings, your home, and your future earnings at risk.

A Personal Umbrella Policy is your ultimate safety net. It’s an extra layer of liability protection that sits on top of your existing policies, designed to shield your family’s assets from a catastrophic claim.

Who Needs a Personal Umbrella Policy?

While everyone can benefit from this extra protection, you should strongly consider an umbrella policy if you:

  • Own a home.
  • Have significant savings or investments to protect.
  • Have a swimming pool, hot tub, or trampoline.
  • Own a dog.
  • Have teen or young adult drivers on your auto policy.
  • Own rental properties.
  • Frequently host guests at your home.
  • Want true peace of mind that your financial future is secure.

Additional Considerations
If you’re active on social media, serve on a board, volunteer, or coach youth sports, you may be exposed to personal liability risks you haven’t considered. A personal umbrella policy provides extra coverage beyond your home and auto insurance limits, helping you avoid out-of-pocket legal costs, medical bills, or judgments that could threaten your assets and long-term financial goals.

Why Choose Page Insurance for Your Collector Car?

A Holistic Review of Your Assets
We don’t just sell you a policy; we conduct a comprehensive review of your assets and risks to recommend a coverage amount that truly protects your financial well-being. Our goal is to cover your net worth.

Maximizing Your Value
As independent agents, we can typically place your umbrella policy with the same carrier as your home and auto insurance. This not only simplifies your coverage but also unlocks significant multi-policy discounts, making this vital protection incredibly affordable.

Local, Professional Guidance
Understanding liability is complex. Our local Guilford team is here to provide clear, straightforward advice. We’ll answer your questions and help you understand exactly how an umbrella policy can secure everything you’ve worked so hard to build

How an Umbrella Policy Protects You

Think of an umbrella policy as a much larger, stronger shield for your finances. It provides additional coverage when the liability limits on your underlying home or auto policies have been exhausted.

Excess Bodily Injury Liability
Covers costs if you’re responsible for a serious accident that causes catastrophic injuries to others. This includes massive medical bills, lost income, and legal settlements.

Excess Property Damage Liability
Protects you if you’re at fault for an accident that causes major damage to someone else’s property, such as a multi-car pile-up or a fire that spreads to a neighbor’s home.

Broader “Personal Injury” Coverage
Umbrella policies often cover claims that your standard policies don’t, such as lawsuits related to slander, libel, false arrest, or invasion of privacy.

Worldwide Coverage
Your umbrella policy follows you, providing liability protection for you and your family anywhere in the world.

Isn't the liability on my home and auto policies enough?

For minor incidents, yes. But for a major lawsuit, standard limits (e.g., $300,000 or $500,000) can be exhausted quickly. If a judgment against you is $1 million and your auto policy limit is $300,000, you are personally responsible for the remaining $700,000. An umbrella policy is designed to cover that gap.

How much umbrella coverage do I need?

A good rule of thumb is to secure coverage that is at least equal to your total net worth (your assets minus your debts). We typically offer policies starting at $1 million in coverage, with higher limits available. We can help you calculate the right amount for your specific situation.

Is personal umbrella insurance expensive?

It is one of the best values in the insurance industry. Because it only kicks in after your primary policies are exhausted, it is surprisingly affordable. A $1 million policy can often be purchased for just a few hundred dollars per year—a small price for immense peace of mind.

Secure Your Financial Future Today.

Don’t leave your assets exposed. A personal umbrella policy is the most effective way to protect your family from a financially devastating lawsuit.