Umbrella Insurance

Extra Protection for the Unexpected.

Umbrella Insurance Purchasing a personal umbrella policy from Phil Richard Insurance is an easy and cost-effective way to help you achieve extra peace of mind. Umbrella insurance goes beyond the typical limits of liability to give you, your family and assets broader coverage for a wider spectrum of incidents. We recommend a personal umbrella policy to all of our clients to enhance existing personal home, auto, recreational vehicle and watercraft policies.

Some things to consider about Umbrella Insurance

  • Umbrella policies come in coverage amounts of $1 million dollars or more.
  • The extra protection is designed to kick in if you are sued over an incident not covered by your existing home or auto insurance.
  • It is recommended that people buy $1 million more in umbrella insurance than they think they will need. The idea is you can’t be over-insured for lawsuits.

Talk to an agent from our team at Phil Richard Insurance and they will guide you towards the level of umbrella insurance you may need.


Frequently Asked Questions

What does a personal umbrella policy cover and why would I need one?
When should I purchase a personal umbrella policy?