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Personal Umbrella Insurance

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Product Overview

Personal Umbrella Liability is one of the most commonly overlooked policies, but in the case of a catastrophic financial event, it could be the best line of defense you’ll ever have. If you’re involved a major auto accident or if someone gets injured on your property, you could be sued for damages well beyond the liability coverage provided by your Home and Auto Insurance policies.

In such a critical situation, having Personal Umbrella Insurance from Prince Insurance Group will protect your home, car, future wages, and all of your priceless assets from being used to pay for the expenses.


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Coverage That Keeps You Protected

Your Umbrella Liability policy from Prince Insurance Group works to give you additional protection when damages exceed the liability coverage of your standard policies. It also offers extra security for many situations that may not be included in your basic insurance.

Personal Umbrella insurance can be applied to events such as:

  • Car Accidents
  • Accidental injuries on your property
  • Accidents involving your boat, ATV, or other recreational vehicle
  • Golf Course Injuries
  • Defense fees and other legal costs
  • Personal Injury Coverage for claims of libel, slander, and more

At Prince Insurance Group, we are committed to the safety and security of you and your family, which is why we will work with you to create a perfect policy that protects all of your interests. Since Personal Umbrella Insurance will vary depending on your individual coverage needs, it’s important to discuss your options with one of our insurance specialists before making a decision.


Prince Insurance Group helps find the right insurance for you and your needs.


Our team works with you to find the most affordable options for your situation.

Flexible Options

Our products are flexible and we work to find insurance specific to your needs

Unbeatable Service

We are just a phone call away throughout our entire relationship.

Common questions about Personal Umbrella Insurance

Get quick answers to some of the most asked questions about personal umbrella insurance. If you have additional questions, please contact us.

Will a policy under the personal umbrella model be suitable for me?

Just about anybody will benefit from having a customized umbrella policy, no matter how many assets they have or the kind of income they make. That is because an accident is capable of happening to anyone. Costly expenses might come about as a result. As an example, if a guest sustains an injury in your pool or when playing with some of your kids on a playground, an accident transpires that could lead to another person’s injuries. As another example, you could be sued for defamation if you were to post an online review of a negative nature. Umbrella policies can help stop you from spending your own money on expensive legal or medical bills if you are held liable in such situations.

Alternatively, let’s say that there’s a motorcycle or swimming pool in your backyard. Many lifestyle factors come with extra responsibilities, not to mention potential liabilities in the event that you failed to have enough protection protocols in place. Your insurance agent will help you determine what kind of policy will be ideal for you in such cases.

As far as umbrella insurance is concerned, how much coverage will I require?

Custom umbrella policies generally offer $1 million (at least) of liability insurance. They tend to come in $1 million increments, to as much as $5 million. An insurance agent can determine the amount of coverage you should get.

Will a custom umbrella policy provide coverage for my entire family?

A custom umbrella policy might extend to family members of a policyholder if they live in the same household (children, spouse, etc.). Exclusions could apply, so it is prudent to go through your policy. You can also contact your insurance agent to determine which family members will qualify.

Are umbrella policies really necessary?

Custom umbrella policies offer extra liability coverage once you have reached limitations that come with standard insurance policies (such as car or homeowners insurance). For example, if your auto insurance policy has liability coverage for bodily injuries worth $250,000, and you are found to be at fault for an accident of some sort that injured somebody else, your car liability insurance will cover as much as $250,000, which goes towards that individual’s injuries. However, if somebody else’s injuries reached $750,000, then you might have to pay the outstanding $500,000. This is where umbrella policies come to the rescue, as they can cover the outstanding cost.

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