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services for individuals

Personal Umbrella

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The Importance of Personal Umbrella Insurance

Comprehensive Coverage: Personal Umbrella Insurance

Personal Umbrella Insurance is essential for individuals seeking comprehensive protection against significant financial risks. This type of insurance provides additional liability coverage that kicks in when the limits of your homeowners, auto, or other personal insurance policies are exhausted. At Wright-Gardner, we offer tailored umbrella policies designed to protect your assets and future earnings from unforeseen events and large claims.


Umbrella insurance covers a broad range of scenarios, including legal fees, damages awarded in lawsuits, and claims involving personal injury or property damage. It also provides coverage for incidents that might not be included in your other policies, such as libel, slander, or false arrest. This extensive protection ensures that you are fully prepared for life's unexpected challenges.

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Coverage for Legal Fees

Legal battles can be costly and time-consuming. Umbrella insurance covers legal fees and court costs, ensuring you have the financial support needed to defend yourself in a lawsuit.

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Excess Liability Coverage

Personal Umbrella Insurance provides excess liability coverage, which means it extends the limits of your existing liability insurance. This is particularly important if you are faced with a significant claim that exceeds the limits of your homeowners, auto, or other personal policies.

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Protection Against a Wide Range of Risks

Umbrella insurance offers protection against a variety of risks not typically covered by standard policies. This includes claims of libel, slander, false arrest, and invasion of privacy, providing comprehensive coverage for modern-day liabilities.

  • How much coverage do I need with a personal umbrella policy?

    The amount of coverage you need depends on your individual circumstances, including your total assets and potential exposure to risk. Our consultants can help you determine the appropriate level of coverage to ensure you are fully protected.

  • Does umbrella insurance cover my family members?

    Yes, personal umbrella insurance typically extends to cover family members living in your household, providing additional protection for everyone in your family.

  • Can I get umbrella insurance if I don’t have existing policies with Gardner-Wright?

    To qualify for umbrella insurance, you generally need to have underlying policies such as homeowners or auto insurance. Our team can help you evaluate your current coverage and integrate umbrella insurance into your overall protection plan.



  • Are there any exclusions with personal umbrella insurance?

    While umbrella insurance offers broad coverage, there are exclusions such as intentional acts or business-related liabilities. Our team will help you understand the specifics of your policy and any potential exclusions.

get the right coverage today

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Ready to Enhance Your Protection?

Don’t leave your financial future to chance—contact Wright-Gardner Agency today. Let us help you navigate the complexities of personal umbrella insurance with confidence and ease. Reach out for a consultation and experience the difference of personalized service and expert guidance.

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