Umbrella Insurance

Umbrella Insurance

In today’s society, people are so quick to sue in the face of an accident without considering the other party. Have you thought about how a lawsuit would affect you if you were faced with one today? A lawsuit can be scary, putting you and your assets at risk. With Alfa’s umbrella insurance policy, you can face situations without fear and uncertainty for the future. When everything you have worked hard to build is at risk, personal umbrella liability coverage is there to protect you.

If you have life insurance, car insurance, or home insurance, then you should also have umbrella insurance. It is an affordable way to add an extra layer of protection. Personal umbrella goes beyond basic coverage. You have liability on your auto policy. You have liability on your homeowner’s policy. Umbrella comes in on top of that to provide another million dollars in blanket coverage. It can be purchased as a separate policy, but given that it offers additional protection, you must have home insurance, auto insurance, or both before adding to it.

Personal Umbrella Liability Insurance includes:

  • Property Damage
  • Bodily Injury

Lawsuits involving bodily injury and property damage can be expensive. There is a cost for investigation and settlement of a covered claim. Personal umbrella will cover up to the policy limit for those expenses as well as lost income.

Some Examples of Protection Include

  • A child drowns in your pool while you are not there
  • Your son runs a stop sign causing an accident
  • A salesperson trips on your driveway

Extended Protection

Business Pursuits 

This is valuable for landlords, salespersons, and teachers. It is extra business insurance covered in your underlying policy.


We offer special farming coverages. This protects against suits based on farming operations. It also extends to timberland and vacant properties not in use.

We are here to educate and guide you as you navigate insurance policies, and personal umbrella is an important one to consider. It provides additional coverage beyond that of a standard policy. It is not required, but it is extremely valuable. Contact the agents at The Hornbuckle Agency to talk about your insurance needs, you can also schedule an appointment to discuss what your options are.