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I had a conversation with a client who said:

“I think we’re fine—we have home and auto insurance.”

And for a lot of situations, that’s true.

Until it’s not.

Umbrella insurance isn’t about expecting something to go wrong—it’s about being prepared if it does.

A Scenario That Happens More Than You Think

A serious auto accident.

Medical costs stack up quickly.

A lawsuit follows.

The base policy maxes out.

Now what?

That’s where umbrella coverage steps in.

Who Should Be Thinking About This?

• Homeowners with equity
• Multiple properties
• Teen drivers
• Growing assets

The more you have, the more important it is to protect it.

Why This Matters in Oregon, Washington & Idaho

We’re seeing:

• Higher claim costs
• More lawsuits
• More exposure with lifestyle changes

Quick Q&A

How much umbrella coverage do I need?

It depends on your assets and risk exposure.

Is it expensive?

For the amount of protection it provides—typically not.

Do I already have it?

Some people do—but many don’t realize they don’t.

The Bottom Line

Umbrella insurance is one of the simplest ways to protect everything you’ve worked for.

If you’re not sure where you stand, we can walk through it together.