By Brandon Cervenka
In this beautiful area we get to call home, families juggle a vibrant lifestyle—lazy beach days, hectic school schedules, tourist season and all the daily joys and challenges of coastal life. But have you ever wondered if your insurance policies are truly enough to protect everything you’ve built, no matter what life throws your way? That’s where umbrella insurance comes in as a powerful, affordable layer of protection.
What Is Umbrella Insurance?
Umbrella insurance is designed specifically to provide extra liability coverage beyond your standard auto and homeowners policies. A few reasons you might consider having additional liability protection:
- Protects Your Assets: Imagine an accident at home or on the road where the damage exceeds your regular policy limits. Medical bills and legal costs can mount quickly. Umbrella insurance kicks in when those limits are reached—helping pay the excess, so your savings, home, and future aren’t put at risk.
- Covers more than you think: Beyond car accidents or property incidents, umbrella policies frequently cover liability situations your regular plans may not—such as lawsuits from defamation, incidents involving volunteer work, or accidents caused by kids at school or sporting events.
- Affordable Peace of Mind: Many families are surprised to learn that this extra protection typically starts around a few hundred dollars a year for $1 million or more in coverage. For most, the peace of mind far outweighs the investment.
- Whole-Family Protection: The coverage extends to everyone living in your household. If you have teenage drivers, active kids, or simply love hosting guests, umbrella insurance helps ensure every family member is protected.
Living on the Emerald Coast means unique experiences—and risks. Tourists, busy roads, never-ending construction and vacation rentals all bring extra liability concerns. Families who own recreational vehicles, rent out homes or have children would be the ideal candidate for an extra layer of protection. It’s not just about what happens at home, but about the unexpected—whether it’s at the beach, in the community or even online.
Is Umbrella Insurance Right for You?
If you own property, have significant savings, a business, or simply want to safeguard your family’s future, umbrella insurance may be the smartest move you can make. It’s designed for peace of mind—so that one accident, lawsuit, or unexpected event doesn’t threaten years of hard work.
For a personalized review and to see how umbrella insurance fits into your overall protection plan, reach out to your trusted local agent. As your neighbor, I’m here to answer questions and help you secure what matters most.
Questions about umbrella insurance or other coverage? Contact Brandon Cervenka Insurance Agency—local, friendly and here for your family.
