An Umbrella Policy Will Keep You Covered on a Rainy Day

What Is Umbrella Insurance?

A personal lines umbrella policy is an insurance plan featuring elevated liability limits. Its purpose is to offer additional protection that supplements existing insurance policies such as homeowners or personal auto coverage. This umbrella policy can extend coverage beyond the limits of other policies, and, in certain situations where specific coverage is excluded from those policies, the umbrella policy may step in to cover the associated loss.

Coverage for Any Possibility

Umbrella insurance is a form of liability insurance, so it’s not going to cover your own medical expenses or losses to your property.

However, it can be used to cover just about anything else. It just depends on how you set it up. Umbrella coverage can include injuries you cause in a car accident, injuries someone suffers on your property, property damage you cause in an accident, property damage caused by a dependent or a child or even your attorney’s fees in the event that you are sued.

You might have some existing coverage for all of these through other insurance coverage… but an umbrella policy goes further for a much lower cost than increasing the limits on your existing coverage, because it’s covering for a different kind of risk. It’s also generally portable, so it can follow you anywhere… even when you travel overseas.

What Can An Umbrella Policy Cover?

  • Liability Coverage
  • Personal Injury
  • Property Damage Liability
  • Bodily Injury Liability
  • Legal Defense Costs
  • Worldwide Coverage
  • Certain Lawsuits
  • Landlord Liability
  • Coverage Gaps
  • Legal Settlements
  • Libel and Slader

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Are Umbrella Policies
Just For The Wealthy?

Many people think that umbrella insurance is just for people making a lot of money, but nothing could be further from the truth. Anyone with a job who wants to keep what they earn could benefit from an umbrella policy.

Say, for example, your sprinklers are on, and a delivery man slips and falls on the way to your home. He can sue you and a jury can find you liable for damages.

What’s more, because umbrella policies are so low risk, they’re some of the least expensive insurance products you can buy.

Talk to a qualified agent at Moorhead Insurance today to help match you and your family’s umbrella insurance needs with a price that fits your budget today.


You get more
than just a policy with us!

Contact us today for a quote.



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Moorhead, MN 56560


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