Personal Coverages | Umbrella
Extra Coverage For Life's Big What-Ifs
Even the best home or auto insurance has limits. If a serious accident or unexpected event results in damages higher than your standard policy can cover, you could be left paying the rest out of pocket. That’s where umbrella insurance comes in, it’s extra liability protection that kicks in when your other coverage runs out.
How Umbrella Insurance Works
Think of umbrella insurance as a safety net. When the liability limit on your home, auto, or other personal policy is reached, your umbrella coverage steps in, helping pay for what your primary insurance can’t. This can include:
- Serious injury claims with large medical bills
- Expensive lawsuits and legal fees
- Damage you cause to someone else’s property
- Situations not always covered by standard liability, like slander, libel, false arrest, or emotional distress claims
Why You Might Need It
- You own significant assets. The more you have, the more you could lose in a lawsuit.
- You want extra peace of mind. Knowing you’re covered beyond the basics can help you feel secure.
- You have potential risk factors. Owning a pool, having teenage drivers, or hosting frequent gatherings can increase liability exposure.
Why Choose Finlan for Umbrella Insurance?
Umbrella coverage isn’t just for the wealthy, it’s for anyone who wants to protect what they’ve worked hard to build. Our team takes the time to understand your lifestyle, assets, and risk factors, so we can recommend a policy that truly fits.
