Asset protection insurance and umbrella policies provide an extra layer of liability coverage that shields your savings, your home, and your investments from lawsuits and large claims.
As your wealth grows, so does your exposure to liability. A car accident, an injury on your property, or an unexpected lawsuit can produce a judgment that exceeds your standard homeowners or auto policy limits. An umbrella policy adds $1 million to $5 million in coverage and costs a fraction of what it protects.
Umbrella insurance covers bodily injury, property damage, legal defense costs, and certain claims standard policies exclude — libel, slander, and defamation. It is different from estate protection insurance, which focuses on estate taxes and inheritance. Asset protection shields your current wealth from lawsuits and creditors during your lifetime.
A single car accident or slip-and-fall on your property can result in a judgment that wipes out years of careful saving. An umbrella policy keeps that from happening for less than a dollar a day.
The more you have built, the more you have at risk. These situations call for a closer look.
An injury on your property can result in a claim that exceeds your homeowners policy limits.
Larger asset bases attract larger lawsuits. An umbrella policy creates a buffer between your wealth and a judgment.
Business activities can generate personal liability. An umbrella policy adds a layer of protection beyond your business insurance.
Rental properties create additional exposure. Tenant injuries, property disputes, and other claims can escalate quickly.
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