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  • Chen & Associates

Umbrella Insurance 101

Do you know what umbrella insurance can do for you? Learn more today!

What's Under the Umbrella?

Of course, you don't need to insure your umbrella. But as an umbrella keeps off the rain, umbrella insurance helps extend auto and home policies. Not only that, it may even cover some things that car and homeowners insurance policies don't protect you against. If you've got a lot to lose, this kind of coverage may be the most affordable way to protect yourself.


Extra Liability Insurance

  • Liability limits on typical home and auto policies are fairly modest when compared to the value of new homes and cars. Clients can purchase umbrella insurance in increments for the right amount of extra protection at the right price.

Legal Defense

  • You have a legal right to defend yourself against claims of injury or loss, but lawyers are expensive. Not only will umbrella insurance help you pay claims, it can help pay for legal defense.

Extra Coverage

  • Some umbrella insurance policies can get modified to cover more unusual risks that are not typically mentioned in an ordinary policy.



It is common for people to think that no one is going to sue them. You may not be at risk of getting a lawsuit today, but you never know what holds in your future. This is why umbrella policies are a must have.


The content here is provided as general information only and should not be construed as a recommendation to buy or sell any security or financial instrument or to participate in any particular trading or investment strategy. All material presented herein is believed to be reliable but we make no representation as to or accepts any responsibility or liability for, the accuracy or completeness of the information contained herein or any decision made or action taken by you or any third party in reliance upon the data. The investments discussed here may be unsuitable for some investors depending on their specific investment objectives and financial position. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS.


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