local umbrella Insurance savings in Kentuckiana

Umbrella insurance could help protect you from major claims and lawsuits by covering expenses that exceed the limits of your other policies.

This could include:

• Bodily injury liability (e.g., auto accidents or injuries on your property)

• Property damage liability

• Legal defense fees

• Personal liability situations like defamation, false arrest, or landlord liability

It’s designed to kick in after your home, auto, or renters insurance has been maxed out — giving you added security when things go really wrong.

No, umbrella insurance isn’t typically required — but it’s highly recommended if you have assets to protect or want peace of mind. It's especially useful if you:

• Own a home or rental property

• Drive frequently or have teen drivers

• Entertain guests or have a pool/trampoline

• Have significant savings or investments

Umbrella policies typically don’t cover:

• Your own injuries or property damage

• Business-related liability (unless you have a business policy)

• Intentional harm or criminal acts

• Contractual liabilities

Our team can walk you through what is (and isn’t) covered to make sure you’re fully protected.