MHJ (573) 785-3138 | HEARTLAND (636) 477-8700

Most types of insurance provide one specific kind of coverage. For instance, your auto insurance policy protects you in case you’re at fault for an auto accident, while your homeowners policy provides liability coverage in many other circumstances.

In contrast, umbrella insurance is a single policy that covers most aspects of your financial life – just like an umbrella covers every part of your body in a rainstorm.  So, if ever you run over the liability limits on one of your other insurance policies, your umbrella policy is there to take care of the extra costs. 

Personal umbrella insurance kicks in when your base policy liability limits are not enough.  It protects you above & beyond the limits of your homeowners or condo insurance, car insurance, watercraft or other personal insurance policies.  It is an inexpensive way to protect your financial future or established assets. 

An umbrella policy can also be purchased for protection of your business as well.  If you have more questions just give us a call.  MHJ Insurance is a full-service agency and we have multiple options for both personal and commercial umbrella policies as well as many other type of insurance you may need.