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Protect Yourself from Major Losses with Umbrella Insurance

Life is unpredictable, and as much as you plan, there’s always something around the bend that never crossed your worried mind.

If the unexpected occurs, do you have enough liability limits to protect your and your family’s assets the way you want? If you were found liable for an accident, would your current liability limits cover the judgment against you, or could your assets be at risk?

With a Personal Umbrella policy from Farmers, you’ll have additional liability limits over and above those provided by your underlying policies. Your assets, as well as your future earnings, are covered.

Protect yourself with an umbrella

Get Protected

It’s your decision how to best spend each one of your hard-earned dollars. But if an unexpected major loss occurs that key decision may no longer be yours. You’ll find that Farmers Umbrella Coverage offers you a way to help ensure your assets remain yours for less than you might expect.

Do you know if your current coverage offers you the protection that you want against major catastrophic events? If you don’t, contact The Fox Agency today to help you find out if there are any gaps in your coverage.

Do I Need Umbrella Insurance?

If you’re even thinking about Umbrella insurance, chances are you might need it.

Ok, so obviously that’s not true across the board. But generally, if you’re worried that even the highest liability limits of your auto, home, or watercraft insurance wouldn’t be enough to pay for a large liability award, then extra Umbrella coverage might make you feel more protected.

That’s because Umbrella insurance extends the limits of your underlying liability coverage, and it can do it for a pretty small cost (usually somewhere around $250-$600 a year).

But how do you know for sure that you need Umbrella insurance?

That’s a reasonable question. But to answer it, let’s turn the tables for a second, and ask you a couple of questions first:

  • Are you a high net worth individual? You may need to do a little math here. Remember that Net Worth = What You Own – What You Owe. If you do have a high net worth (say, around one million dollars or more), you may want to protect it against a big liability judgment with an Umbrella policy.

  • How exposed to risk are you? We’re not asking if you’re a secret agent, professional skateboarder, or stunt person. But if your day-to-day life exposes you to more than normal risk, it might be a good idea to extend your coverage. Do you spend a lot of time on the road? Do you host dinners and parties in your house? Do you have a pool? Do you have a vacation home?


  • If you answered yes to any of these questions, and you have a large income and assets you want to protect, you should consider an Umbrella policy to help you protect what you’ve spent a lifetime building.

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