The redstone insurance services logo has a shield on it.

Protect Your Assets with Personal Umbrella Insurance

Life is unpredictable, and sometimes accidents or unforeseen events can cause more damage than your standard insurance policies cover. Personal Umbrella Insurance from Redstone Insurance Services offers an extra layer of protection, ensuring that you’re financially secure even in the event of a catastrophic incident. Serving Alabama and Tennessee, we provide affordable umbrella insurance policies that go above and beyond your auto, home, or boat coverage to protect your assets.

Get a quote.

Why You Need Personal Umbrella Insurance

While standard insurance policies are essential for protecting your home, car, and personal belongings, they often come with limits. Personal Umbrella Insurance provides additional coverage once those limits are reached, protecting your assets against lawsuits, major accidents, or even personal injury claims. Whether it’s a serious car accident, a slip-and-fall on your property, or legal action for something you said or did, umbrella insurance gives you the financial protection you need to cover the unexpected.

What Personal Umbrella Insurance Covers

Bodily Injury Liability

Covers medical expenses and legal costs if you’re found responsible for injuring someone, whether through an accident or incident on your property.

Property Damage Liability

Covers the cost of damages to someone’s property, including their home or vehicle, in cases where you’re at fault.

Legal Defense Costs

Covers your legal fees and court costs if you’re sued beyond the limits of your primary policies.

Personal Injury Liability

Protects you if you’re sued for defamation, libel, slander, or other personal injuries.

Rental Property Protection

Provides additional liability coverage for rental properties you own, which may not be covered under your primary homeowner’s insurance.

Personal Umbrella Insurance in Alabama and Tennessee

Based in Huntsville, we proudly serve clients in North Alabama from Birmingham to Decatur. We are eager to serve your community, no matter where you are in Alabama and Tennessee. Whether you have a home, rental property, or other valuable assets, we can help you find the right umbrella coverage to safeguard your financial future.

Frequently Asked Questions (FAQ)

  • What is the difference between umbrella insurance and regular liability coverage?

    Umbrella insurance provides additional liability coverage above and beyond the limits of your existing policies, such as home or auto insurance. It’s designed to offer extra protection when your primary insurance limits are exceeded.

  • Do I need personal umbrella insurance?

    If you have significant assets to protect or if you face higher risks, such as owning multiple vehicles or properties, personal umbrella insurance is a smart choice to ensure you’re fully covered.

  • Is umbrella insurance expensive?

    Personal umbrella insurance is typically very affordable, especially considering the level of protection it provides. It offers a high amount of coverage at a lower cost compared to other types of insurance.

Get a Quote Today!

Protect your assets and get the peace of mind you deserve with Personal Umbrella Insurance from Redstone Insurance Services. Serving Huntsville, Birmingham, Decatur, and surrounding areas, we’ll help you find the right coverage for your unique needs.

Get in Touch
Share by: