Personal Umbrella Insurance

Enhanced protection for your financial future.

Securing Your Net Worth Today & Tomorrow

Personal umbrella insurance provides extra liability protection by extending the limits of your auto, home or boat policies. If you, or someone covered under your policy, is named in a lawsuit and the settlement or judgment costs exceed what your basic policies cover, a personal umbrella policy will pick up the tab. This type of coverage is especially important for highly successful families and individuals who may be more likely to be targeted in a lawsuit.

A personal umbrella policy can protect your future earnings if the judgment or settlement extends beyond your current assets, in addition to providing coverage for libel, slander, false arrest and other claims that are not covered by your basic policies.

At ZRM Brokerage, we understand the importance of protecting your assets and securing peace of mind. That’s why we offer personal umbrella insurance through the nation’s leading insurance carriers to help you safeguard your net-worth. With standard umbrella coverage solutions ranging from $1M to $10M, you can rest assured that your assets are secure in any storm.

Your Personal Umbrella Policy

We understand that umbrella insurance can be a confusing topic, but it doesn’t need to be! That’s why we offer personalized services to help you make an informed decision about protecting your assets and financial future. Our team of experienced professionals will work with you to determine the right coverage for your needs and provide you with the peace of mind that comes with knowing you are protected.

Contact us today to learn more about how a personal umbrella policy can protect your financial future.

Personal Umbrella Insurance FAQ

Personal umbrella insurance is an additional layer of liability coverage that goes beyond the limits of your home and auto policies. It provides extra protection in case you are sued for damages or injuries caused by you or someone in your household.

The amount of coverage you need depends on the value of your assets and the amount of risk you are exposed to. Generally, we recommend at least $1 million in coverage.
Personal umbrella insurance covers defense costs, attorney fees, and other charges associated with a lawsuit that exceeds the limits of your basic policies. It also provides additional coverage for libel, slander, false arrest, invasion of privacy and more. Umbrella insurance will protect you even against frivolous claims!

Anyone who has established assets or is at risk of being targeted in a lawsuit should consider getting personal umbrella insurance. This includes affluent families and individuals as well as those who own multiple homes, have multiple drivers, or employ domestic staff.

The cost of personal umbrella insurance depends on the amount of coverage you choose and the other factors such as your age, location, and credit score. Generally, it is an affordable way to protect your assets and provide peace of mind.

Did You Know?

Nearly 70% of personal Umbrella Insurance claims are Auto related – safeguard your family from underinsured or uninsured drivers and incidents of distracted driving.

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