Umbrella Insurance
Even with strong home and auto coverage in place, serious accidents can exceed standard policy limits. An umbrella insurance policy provides an additional layer of liability protection designed to help safeguard your assets, savings, and future income. At Kolm Insurance Group, we help clients determine whether added protection makes sense for their overall insurance plan.
What is an Umbrella Policy?
A personal umbrella policy extends liability coverage beyond the limits of your underlying home, auto, or other personal policies. If a covered claim surpasses those limits, umbrella insurance helps cover the remaining costs — protecting you from potentially significant out-of-pocket expenses.
This added protection can apply to situations such as:
-
Major auto accidents involving serious injuries
-
Lawsuits resulting from injuries on your property
-
Libel or slander claims
-
Incidents involving rental properties
-
Recreational vehicles or watercraft liability
Why Consider Umbrella Coverage?
Lawsuits and liability claims can be financially devastating without adequate protection. An umbrella policy is often an affordable way to add $1 million or more in additional liability coverage.
Umbrella insurance is especially worth considering if you:
-
Own a home or multiple properties
-
Have significant savings or investments
-
Own recreational vehicles or watercraft
-
Have teen drivers in your household
-
Want added financial security and peace of mind
Why Work With Kolm Insurance Group?
Umbrella coverage works on top of your underlying home and auto insurance policies. We’ll review your current liability limits to ensure they meet umbrella requirements and help coordinate all policies for seamless protection.
Our goal is to make sure there are no gaps in coverage — only added confidence.
A Smart, Affordable Layer of Protection
Many clients are surprised at how cost-effective umbrella insurance can be compared to the level of protection it provides. It’s designed to protect not just what you own today, but your future earnings and financial stability.
Review Your Liability Coverage Today
If you’re unsure whether your current liability limits are sufficient, we’re here to help. Contact Kolm Insurance Group for a personalized coverage review and find out if an umbrella policy is right for you.
Get a Free Quote.