You know about the typical personal insurance types: life, auto, home, and health. But have you ever considered adding additional insurance that could save you headaches that your typical personal insurance policy doesn't consider? A personal umbrella insurance policy provides you with additional protection on the liability portion of certain types of insurance, as well as extending lawsuit coverage to situations that aren't covered by any other type of personal insurance.

The expansion of liability coverage extends the amount that is covered by the insurance company whenever you have a claim filed against your insurance. It generally expands the coverage given by your car insurance and home insurance. This is particularly useful if you live in an area that is known for higher priced cars or more property related incidents in general. Instead of hitting the limits of your insurance and paying out of pocket for the rest, the personal umbrella policy keeps you protected.

The second part of this type of umbrella policy is protection that isn't given by other types of insurance. It helps you out against landlord liability, false arrest, slander, emotional distress, and libel. This is an all-inclusive policy that takes a wide range of potential situations under consideration. While you hope that none of these issues ever affect you, it's always better to be safe than sorry.

If you aren't sure where to start when it comes to personal umbrella insurance, talk to our experienced insurance agents about the options available for you. They'll let you know exactly what is covered, how the claim process proceeds, and other important information dealing with the umbrella coverage.