Protect Your Family and Future From the Unexpected
Everyday accidents can lead to lawsuits far beyond the limits of your auto or home insurance. A personal umbrella policy adds $1 million or more in extra liability coverage—so if you’re hit with a catastrophic claim, you won’t risk your home, savings, or future income. With jury awards and settlements climbing, umbrella insurance is the safety net that keeps your financial life intact.
What Does Personal Umbrella Insurance Cover?
Auto accidents
Additional liability for severe injuries or multi-vehicle crashes
Home incidents
Guest injuries, falls, or dog bites on your property
Libel, slander, defamation
Lawsuits for online posts or accidental reputation damage
Volunteer activities
Some claims while serving on nonprofit boards or as a volunteer
Note: Umbrella policies require underlying limits on home/auto to qualify—Broken Spoke will make sure you’re eligible and fully protected.
Who Needs an Umbrella Policy?
Homeowners and high earners
Parents of teen drivers (youthful driver risk)
Households with pools, trampolines, or pets (especially dogs)
Anyone with significant savings, retirement accounts, or future income to protect
Those who host gatherings, coach youth sports, or volunteer
How a Personal Umbrella Policy Works
If a major claim or lawsuit maxes out your home, auto, or other policy’s liability limit, your umbrella coverage kicks in to pay the rest—up to $1 million, $2 million, or even more. Umbrella insurance can also cover some risks not included in standard policies, like libel, slander, or certain volunteer activities.
Example:
You cause a multi-car accident with $1 million in injuries. Your auto policy covers $300,000; the umbrella pays the remaining $700,000—so your assets stay protected.
How Much Does a Personal Umbrella Cost?
Surprisingly affordable—$1 million in coverage often runs $150–$300 per year (actual cost varies by risk and household profile). For most families, it’s the best “bang for buck” in insurance.
Frequently Asked Questions
Why do I need a personal umbrella policy?
To protect your assets and future from catastrophic lawsuits that exceed your home or auto limits.
Will umbrella insurance cover lawsuits beyond home or auto?
Yes—umbrella covers claims that go above your underlying limits, and may extend to additional risks like libel or slander.
How much coverage should I buy?
Most families start with $1 million, but higher limits are available based on your needs.
Does umbrella coverage work everywhere?
Generally yes—coverage extends to incidents anywhere in the U.S. and sometimes abroad (ask for specifics).
Can I get umbrella if I don’t have all my policies with one company?
It’s best (and often required) to have home and auto with the same insurer—Broken Spoke can help you consolidate and save.
Big Protection, Little Cost—Secure Your Future Today
Don’t let one accident or lawsuit take away what you’ve worked for. Let Broken Spoke Insurance set up a personal umbrella policy so you can live life confidently, knowing your family’s financial security is always covered.