Why a Personal Umbrella Policy Is One of the Smartest Coverages You Can Have

Most people don’t think about umbrella insurance until they really need it.

A personal umbrella policy provides extra protection above and beyond your home and auto insurance. It’s designed to cover large liability claims that could seriously impact your savings, future earnings, or even your home.

Here’s why it matters:

🔹 Accidents Happen – A serious car accident or an injury on your property could lead to lawsuits that exceed your existing coverage.

🔹 Affordable Peace of Mind – Umbrella insurance provides $1 million or more in extra liability coverage for a relatively low annual cost.

🔹 Covers More Situations – It can help with legal defense costs and incidents not covered by basic policies, like defamation or rental property liability.

🔹 Protects Your Future – If you’re found liable for a large judgment, an umbrella policy helps prevent wage garnishment, asset seizure, or financial ruin.

Whether you’re a homeowner, frequent traveler, landlord, or just want peace of mind, umbrella coverage is one of the most valuable add-ons to consider.

Want to see how affordable it is? I’d be happy to provide a quick quote or answer any questions.

Please contact us or give us a call to learn more.  You can also request a quote if you’re ready to start on a policy.

Valley oaks Insurance Agency is proud to provide insurance in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, and Folsom, CA.  We also serve other areas in the state.

The information shared in this article is provided and written on an opinion basis, and for informational purposes, it solely represents the opinions of Valley Oaks Insurance.