Even the strongest nests have a limit. When the wind really howls—big accidents, serious injuries, major lawsuits—you want more than a thin layer of protection.
That’s where Personal Umbrella Insurance flaps in: an extra, high-flying layer of liability coverage that sits on top of your home, auto, boat, motorcycle, and even toy policies (ATVs, jet skis, and more).
Think of it as a giant, protective wing spread over everything you’ve built:
- Your home and other property
- Your savings and investments
- Your retirement nest egg
- Even potential future income
When a claim or lawsuit flies above the limits of your underlying policies, the umbrella can help catch the rest—up to its limit.
Even cautious birds get caught in surprise squalls:
- A kitchen fire spreads and damages the neighbor’s carefully crafted nest
- A serious auto, motorcycle, or boat accident causes extensive injuries
- Someone is badly hurt on your property, and medical and legal bills soar
If your home or auto policy maxes out, umbrella insurance helps keep the storm from pecking away at your assets.
Umbrella policies can also help cover some personal injury claims, including:
- Certain legal defense costs
- Claims of libel, slander, or false arrest (because sometimes the rumors really do fly)
Without umbrella protection, one worst-case scenario could try to snatch more than just a few feathers—it could threaten your whole roost.
Imagine your existing policies as the base of your nest—solid but with a height limit. An umbrella policy sits over the top:
- Your auto or home pays first, up to its limit
- Then umbrella coverage kicks in for eligible costs, up to its own much higher limit
Result: more room for your flock to feel safe.
Call your local Byrd & Essigmann Independent Insurance Agent to see how high your protective “wing” should spread to keep your entire roost secure.
Call your local Byrd & Essigmann Independent Insurance Agent to see how high your protective “wing” should spread to keep your entire roost secure.
With Byrd & Essigmann Insurance, we don’t just cover the basics—we help your protection truly take flight.
