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Who Needs Umbrella Insurance


Imagine what would happen if your dog was to bite a neighbor's child, or if there was an accident on your rental property. What would happen if a fire in your condo spread to other units? If any of these things happened to you, there's a good chance your current liability limits wouldn't be adequate to protect your assets, or your future earnings.

Liability Insurance Starts When the Others Stop
Once the liability limits are exhausted on your home, auto, or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available. Our experienced agents can help you determine the right amount of coverage for your needs.

Broad Coverages
An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world. Legal defense fees are also paid.

The right coverage for you is unique - find out how to protect yourself, your family and your future with the right personal umbrella insurance. Just call 636-229-7000 to speak with one of our agents or schedule an appointment to determine the right coverage for you.