Umbrella Insurance

Protecting your future

Utah Personal Umbrella Insurance


Personal Umbrella Insurance is important for those with Homeowners and Auto Insurance for many of the same reasons as businesses. Your insurance has limits and certain instances have the capacity to exhaust your Personal Insurance limits and put you at risk of bankruptcy. If your dog were to bite someone at your house leaving you with a six-figure settlement, Personal Umbrella works by taking over where your Homeowners coverage ends.


Certain factors can put your Personal Insurance policy into a “high risk” category. For example, if your home is located in an area with a high crime rate or you have a dog with a bite history, you may be at higher than average risk for losses that could exceed your coverage. In cases like this, it’s important to talk with your Stratford agent to make sure you are properly covered with a Personal Umbrella policy before something happens.


Personal Umbrella policies have a broader range of coverage and can help you protect yourself against events that would otherwise be excluded from your current insurance. This would include non-business personal injuries like libel and slander. In a world where social media lawsuits are on the rise, Umbrella Insurance might be more important than ever.


For many Utah residents, Umbrella Insurance can mean the difference between keeping your home or losing it.


Still not sure you need an Umbrella policy? Here’s what it looks like in real life.


Let’s say you have Utah’s minimum requirement for Personal Auto Liability which is $80,000 of coverage. If you were in a car accident and the other driver suffered a seriously neck injury, they could file a claim requiring you to pay for their medical costs, pain and suffering, lost wages, and even future lost wages if the accident resulted in lasting impairment.


Say you’re found liable in court and the settlement plus your legal defense expenses come to $250,000, which isn’t an unlikely sum. Your Car Insurance would pay its full $80,000, but then that coverage is tapped out, leaving $170,000 which you’d be expected to pay out of pocket.


If you don’t have $170,000 at the ready, the court can go after any and all of your assets to cover the cost–your savings, retirement and college funds, your car, your home, and even your future income.


With Stratford Personal Umbrella Insurance, as soon as your Auto Insurance was maxed out, your Umbrella policy would kick in and cover the remaining $170,000.


Our Stratford Insurance agents are here to answer any of your questions and go over your situation to help you decide if you’re a good candidate for Umbrella Insurance. Coverage limits range from $1M to $5M, casting a wide net of protection. The amount of insurance you need depends on the value of your assets and your personal level of risk. As with all our policies, we’ll have a 6 Month Check Up with you to make sure you are still satisfied with your coverage and that nothing has changed that could possibly leave you exposed.


At SIG, we believe you should enjoy the adventure of life. Let us keep you safe along the way.

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Additional coverages to consider


Find your adventure. Drive up mountains, drive until you reach the sea. But do it with the assurance that should something happen along the way, you are protected.


Your house is not just wood and siding and tile. It’s your home, your family’s place of safety, and will probably be the biggest, most important purchase you’ll ever make. Protect it.