Umbrella Insurance

Protect What Matters Most

Protect What Matters Most

Dollar for dollar, Personal Umbrella liability policies are considered one of the best personal insurance buys.  Based on any of your unique needs, JHA has you covered on a rainy day.

We offer Umbrella coverage to supplement existing personal insurance policies. This coverage kicks in to protect your personal assets when your standard liability coverage is exhausted.

Accidents happen. Everyone should consider carrying an umbrella policy – whether you engage in high-risk activities or any kind of hobby that may increase your risks of getting sued. Coverage for your personal assets starts at $1 million and can be as little as  just a dollar a day in premiums.


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Risk factors include:

  • Having a teenage driver
  • Owning a swimming pool or trampoline
  • Entertaining frequently
  • Operating a business from home

In most cases, Umbrella insurance protects you from:

  • Injuries you cause in a car accident
  • Injuries someone suffers on your property
  • Property damage you cause in an accident
  • Property damage your pet causes
  • Property damage a dependent or child causes
  • Attorney fees and other legal costs

Yes, your existing insurance may protect you to an extent, but an umbrella policy goes much further for less cost than upping the limits on your existing policy because it covers for different types of risks.

It's a good idea to source all your liability policies from the same insurance company; ask about our multi-policy discounts. our team can evaluate your unique risks compared to your current coverage and suggest a tailored policy. Contact us today to get started.

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