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Jennifer A. Bishara

Personal Lines Leader

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“Going the extra mile is second nature to everyone at JAISIN. We strive to make all our client interactions as seamless and smooth as possible. We’re just a click or call away, 24/7.”

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A personal umbrella insurance policy, also known as an excess liability policy, protects your assets and future earnings from large and potentially devastating liability claims. As the name implies, it provides additional insurance coverage over and above your home, auto, boat, RV and other liability policies to protect your assets and your future from an unforeseen event.

Have We Got a Plan for You!

Contact JAISIN Insurance Solutions today and have us develop a plan for personal umbrella insurance coverage on your assets that is tailored to your specific needs and saves you money.

If you already have excess liability insurance and simply want to make sure you have enough of the correct coverage at the best price, let us know. We’re happy to review your existing policy, at no cost to you.

HOW DOES PRICING WORK?

The cost of a personal liability umbrella policy is partially based on your risk factors (e.g., teenage driver in the family), and is a relatively inexpensive way to help ensure a lawsuit doesn’t deplete your assets.

UMBRELLA INSURANCE ADVISORS

At JAISIN, our insurance advisors are well versed in the advantages and regulations of personal umbrella liability coverage. Because our goal is to deliver solutions for all your insurance needs and turn you into a lifelong client, we take time to get to know you. That way, the coverage we provide truly protects you, your assets and lifestyle.

Umbrella Insurance FAQ

Get answers to common umbrella insurance questions

What is personal umbrella insurance?

Even though you have homeowners, car, and boat insurance, you may still be involved in a lawsuit that drains your wallet. Personal umbrella insurance is extra protection beyond what your policies already cover. Umbrella insurance also not only covers the policyholder, but their family as well.

How much does personal umbrella insurance cost?

How much your umbrella insurance premium costs will depend on how much coverage you want and where you live. Personal umbrella coverage is usually sold in $1 million increments, starting around $350 to $550 for the first $1 million, then $100 for each $1 million after that.

Do I need personal umbrella insurance?

The questions you need to ask when deciding on an umbrella policy are: am I at risk of being sued? Do I have a large savings or retirement account? Do I have any assets that could cause damage? If you answered yes, you may need an umbrella policy.

WHAT GIVES JAISIN THE EDGE ON PERSONAL UMBRELLA INSURANCE?

JAISIN, an independent insurance company that provides personal umbrella insurance coverage, leverages a proprietary due diligence process that results in better coverage at the best possible price.

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