Umbrella Insurance
UMBRELLA INSURANCE
One Lawsuit Could Wipe You Out — An Umbrella Policy Protects Everything You’ve Worked For.
Most people worry about fire, theft, or storm damage… But the biggest financial risk most families face isn’t property damage.
It’s lawsuits.
A serious car accident, injured guest, teen driver mistake, or even a dog bite can lead to legal judgments in the hundreds of thousands — or even millions.
Your auto or home insurance only covers liability up to a limit. Once that limit is reached… you’re personally responsible for the rest.
An Umbrella Policy adds an extra $1 million+ of liability protection on top of your existing policies — so one incident doesn’t destroy your savings, home, or future income.
Our Services
What Is Umbrella Insurance?
Umbrella insurance is extra liability protection that sits on top of your:
Auto insurance
Homeowners insurance
Renters insurance
Landlord policy
Boat or recreational policies
Even certain business policies
When those policies reach their limit, Umbrella takes over and pays the rest.
Why Liability Is the REAL Danger (Not Fire or Theft)
Fire damage might cost $20K–$50K.
A lawsuit can cost $500K… $1M… $5M… or more.
You can lose:
Your savings
Your home/equity
Your business
Future wages (courts can garnish income)
College funds, retirement accounts, assets, investments
One serious accident can destroy everything. Umbrella insurance prevents that.
What Does an Umbrella Policy Cover?
Serious Auto Accidents (even if multiple people are injured)
If you’re found at fault, umbrella covers medical bills, legal fees, and settlements beyond your auto limit.
Accidents Around Your Home
Someone slips, falls, gets injured — umbrella covers it.
Your Children or Teen Drivers
Teen driver causes an accident? Umbrella protects your finances.
Dog Bites / Pet Injuries
Even off your property, even if the victim sues.
Rental Property or Airbnb Liability
Tenants or guests get hurt → you’re covered.
Property Damage to Others
You (or your child) accidentally cause major damage → covered.
Personal Lawsuits (libel, slander, defamation)
Yes — umbrella often protects against lawsuits from what you post online.
Umbrella Also Covers LEGAL FEES (This alone is huge.)
Even if a lawsuit is false, you still have to pay to defend yourself.
Umbrella insurance pays for:
Lawyers
Court costs
Legal settlements
Judgments
Umbrella Sits On Top Of Your Existing Policies
Even if a lawsuit is false, you still have to pay to defend yourself.
Let’s say you have:
$300,000 liability on auto insurance
$1,000,000 umbrella policy
If you cause an accident and get sued for $900,000:
Auto pays $300K
Umbrella pays $600K
YOU pay $0
Without an umbrella policy… You’d owe $600,000 out of pocket.
How Much Coverage Can I Get?
Most clients start at $1 million in additional coverage, but you can choose:
$1M
$2M
$5M
$10M+
We help you find the right level based on your assets, income, and risk.
How Much Does It Cost?
This shocks people (in a good way).
As little as $15–$25 per month for $1 million in coverage.
That’s less than:
One coffee a day
One takeout meal
One movie ticket
The protection is MASSIVE. The cost is minimal.
Who Should Have an Umbrella Policy?
If you check ANY of these, you need umbrella coverage:
You own a home or have significant equity
You own rental or vacation property
You have savings, investments, or retirement funds
You have a swimming pool or trampoline
You have dogs or host guests in your home
You drive regularly (especially in Charleston traffic)
You have teen drivers
You own a business or side hustle
You volunteer, coach, or serve on a board
You post online or use social media
You ever want to protect your future income
If you have something to lose — umbrella insurance protects it.
Why Add It Through Rhonda P. Myers Agency?
Because it’s not just about buying a policy — it's about making sure it actually works when needed.
We:
Coordinate your auto/home liability limits to meet umbrella requirements
Make sure there are no gaps between policies
Customize coverage based on your risk profile
Explain exactly what is (and isn’t) covered
Advocate for you in a claim
Regularly review your coverage as life changes
We don’t just sell umbrella insurance — we build protection strategies.
Real Example
(This Happens All the Time)
“Our teenage son caused a serious accident that injured multiple people. Our auto insurance maxed out, and the other driver’s attorney came after our house and savings. Thank God Rhonda had recommended an umbrella policy — it covered the extra costs and legal fees. It saved us from financial disaster.”
Final Thought:
You can’t control accidents. But you CAN control how well you’re protected.
For a few dollars a month, an umbrella policy gives you:
Peace of mind
Lawsuit protection
Asset protection
Financial security
Protection for your entire household
Ready to Protect Everything You’ve Built?
Let’s add an umbrella policy before you ever need one.
Protect your home
Protect your belongings
Protect your finances
Protect your peace of mind
One smart step today could save your entire future.
Let’s protect it — together.
© 2025
Rhonda P Myers: Allstate Insurance. All rights reserved