Umbrella Insurance

Personal Umbrella Insurance for Connecticut Families

We get it. “Umbrella insurance” sounds like something you’d use in a thunderstorm. But it’s actually one of the smartest ways to protect your finances—and your future—when the unexpected gets really, really expensive.

A personal umbrella policy provides extra liability protection beyond what your auto or homeowners insurance covers. It steps in when a lawsuit or major claim exceeds the limits of your existing policies, helping you avoid out-of-pocket costs that could seriously impact your savings, your house, or even your retirement.



At Spectrum Insurance, we help individuals and families across Connecticut add this extra layer of protection—without breaking the bank.

What Does Personal Umbrella Insurance Cover?

Umbrella insurance is like a financial backup plan. It adds $1 million or more in extra liability protection on top of your:

• Auto Insurance
• Homeowners or Renters Insurance
• Boat or Recreational Vehicle Insurance (if applicable)

It helps cover:

• Bodily injury claims (like if you injure someone in a serious car accident)
• Property damage you cause to others
• Legal defense costs—even if the lawsuit is baseless
• Personal liability claims (libel, slander, false arrest, etc.)

If your standard policy maxes out at $300,000—but you’re sued for $750,000—umbrella insurance can cover the remaining $450,000.

Real-World Example: The Backyard Incident

You’re hosting a summer BBQ at your home in Connecticut. A friend trips on the deck stairs, hits their head, and suffers a serious injury. They sue—and their medical costs and legal claim total over $600,000.

Your homeowners insurance covers the first $300,000. But without umbrella insurance, you’d be responsible for the rest. With it? You’re protected—and your personal assets stay intact.

Who Should Consider an Umbrella Policy?

Honestly? Almost anyone. But it’s especially smart for people who:

• Own a home or rental property
• Have teenage drivers or multiple vehicles
• Entertain guests regularly
• Have a swimming pool or trampoline
• Travel frequently
• Have savings or assets they want to protect
• Are public-facing professionals or active on social media

The best part? Personal umbrella policies are surprisingly affordable, often costing just a few hundred dollars per year for $1–$2 million in extra coverage.

Start Your Quote Today

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