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Personal Umbrella Policy in Duluth Georgia

Personal Umbrella Insurance

Let Us Help You Protect Everything!

A Personal Umbrella Policy Can Cover It All!

Protecting yourself, your family, and your assets in the event of an incident is important. A personal umbrella insurance policy provides excess coverage in addition to your primary coverage— auto, home, boat, rental property, etc. These policies come into play when your underlying policy limits have been exceeded. When a covered loss occurs and there’s a subsequent lawsuit, your primary coverage, (home, auto, etc), pays out first, and the umbrella pays for expenses above your primary coverage limits.

Let the experienced insurance agents at The Ephraim Group help you protect all that you own with an affordable personal umbrella insurance policy. Call us today.

Understanding Umbrella Insurance

To better understand how umbrella insurance policies work, if you’re at fault in a car wreck that injures another person, your personal auto policy initially pays for all losses; however, injuries and lawsuit fees of the accident can be greater than the limits on the auto policy. You are still legally responsible for all injury/damage caused.

If the damages become higher than the limits of the primary policy, the umbrella policy pays those excess damages up to the preset amount of the umbrella coverage, (typically 1-2 million dollars), keeping your home & assets from being at risk.

Who should consider Umbrella Insurance?

In today’s world, we are all unfortunately at risk of becoming involved in a lawsuit of some kind. Umbrellas insurance policies are extra protection for everyone. Even without major assets such as a home or car, if found liable, your entire financial stability and savings can be at risk. Umbrella insurance is not required, but nobody is perfect. Investing in this policy can help you avoid financial ruin if you accidentally cause major damage to others or their property.

What is generally not covered by a personal umbrella policy?

Although personal umbrella insurance is made to help cover the costs associated with accidents that are your fault, this policy doesn’t apply if you cause damage to your own property. For example, if there’s a fire started in your own home, the damages caused won’t be covered by this personal umbrella. But, the damages caused to any neighbors’ or nearby property may cover those costs, leaving you to pay less money out of your own pocket.

An umbrella doesn’t cover for losses related to the operation of your business property, even if it is home-based (daycare, salon, etc), either.

This policy doesn’t protect you from criminal or intentional actions. For example, the money you owe after being convicted of a crime that you intentionally caused would not be protected by this policy.

Personal umbrella insurance won’t typically protect you from any liability connected to a contract.

How much umbrella insurance do you need?

Although not required, it is a good idea to buy at least enough umbrella insurance to cover your own net worth: your assets, income, and savings. It can sometimes be difficult to figure out exactly how much insurance is the “safe amount” since you never know what exact situation you will be faced with; however, umbrella policies start at $1 million coverage, which ensures you a beneficial amount of protection no matter what.

How do I get an umbrella policy?

Umbrella policies are quite inexpensive but require certain minimum requirements on the underlying policies. Once your personal limits are raised to the minimum requirements–the cost of an umbrella, (varies due to underlying coverage and/or needs), typically ranges from $160-$270/year for a 1 MILLION dollar policy.

A local agent here at The Ephraim Group can answer any questions regarding personal umbrella possibilities to choose whether this extra coverage is a fit for you. Contact us today.

Our Service Area


For more than 16 years, we’ve insured motorcyclists that live and work all around our little house in Lawrenceville. We’re located right next to Brewster’s on Lawrenceville Suwanee Road. We have served happy customers around us in Lawrenceville, Dacula, Duluth, Suwanee, and Buford. But, if you live outside our service area, that’s no problem. We’re happy to help you with all your personal umbrella insurance needs.


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The Ephraim Group Inc    3495 Buford Hwy   Duluth, GA 30096