Umbrella Insurance
Extra Protection for What Matters Most
Life can be unpredictable—and sometimes, even your best insurance coverage isn’t enough. That’s where umbrella insurance comes in. It’s an additional layer of protection designed to cover you when the unexpected happens and your standard policies—like auto, homeowners, or renters' insurance—reach their limits.
Umbrella insurance provides extended liability coverage, typically starting at $1 million or more, to protect your savings, property, and future income from major claims or lawsuits. If you’re ever found responsible for injuries, property damage, or legal costs that exceed your primary insurance limits, your umbrella policy steps in to handle the difference.
The benefits go beyond just extra coverage. Umbrella insurance can help cover legal fees, settlements, and medical bills, offering broad protection that even includes personal liability risks such as libel, slander, or false arrest—areas often excluded from basic policies.
Best of all, umbrella insurance is surprisingly affordable given the level of protection it provides. For a modest monthly cost, you gain the confidence that a single accident or lawsuit won’t threaten your financial future.
At Magnus III Life & Legacy, we believe true peace of mind comes from knowing every part of your life is protected. Umbrella insurance is the safeguard that ensures your assets, your income, and your legacy remain secure—no matter what life brings your way.
Key Benefits of Umbrella Insurance
Extra Liability Protection
Extra Liability Protection
Extra Liability Protection
Umbrella insurance covers legal costs, medical bills, property damage, and other expenses that go beyond the limits of your auto or homeowners' insurance.
Lawsuits and Legal Fees
Extra Liability Protection
Extra Liability Protection
If you’re ever sued for injuries, defamation, or property damage, your umbrella policy can help cover attorney fees, court costs, and settlements—expenses that can quickly add up and jeopardize your savings.
Assets and Future Income
Extra Liability Protection
Assets and Future Income
Without umbrella coverage, a large judgment against you could lead to wage garnishment or loss of assets. Umbrella insurance helps ensure your hard-earned savings, property, and future income remain secure.
Affordable Peace of Mind
Extra Liability Protection
Assets and Future Income
Despite offering significant additional coverage (often $1 million or more), umbrella insurance is typically very affordable, especially compared to the protection it provides.