What You Need to Know About Umbrella Insurance

Automobile, homeowner, renters, life, umbrella…the list can seem endless when it comes to your insurance options. However, while auto, home and life insurance seem pretty straight forward, what exactly is umbrella insurance and (why) do you need it?


An umbrella insurance policy is extra liability insurance coverage that goes beyond the limits of the insured’s home, auto or watercraft insurance policies. It provides an extra layer of protection to those who are at risk for being sued for damages to other people’s property or injuries caused to others in an accident. It also acts as a catch all for when damages go beyond the limits of the original auto/home policy.

Umbrella insurance can also provide protection against libel, vandalism, slander and invasion of privacy. Who knew that an umbrella could provide you with such expansive protection!

People who regularly purchase umbrella insurance will usually own property, have significant savings, or they may own items that can cause injury (pools, trampolines, dogs, etc.).

They might also engage in activities that increase their chances of lawsuits, such as:

  • Being a landlord
  • Coaching sports
  • Serving on the board of a nonprofit
  • Volunteering
  • Participating in sports

In an era where anyone can “sue you” for just about any reason, umbrella insurance can help protect your possessions and pay for damages. One of the best things about umbrella insurance is that premiums are small, and this added coverage can save you and your family from financial catastrophe.

With over 50 years of experience, Ross Insurance Agency has delivered real savings to clients from Elizabethtown, Mt. Joy and Columbia, to Leola, Lititz, Manheim, down to Willow Street, Conestoga and all-over Central PA. If you are looking for insurance help, look no further: contact us today at 717-397-4729 or click here to send us a message!