Personal Umbrella Insurance FAQs

Sometimes, when it rains, it pours. We can help you secure an extra layer of protection so your savings, home, and future stay safe. For a personal umbrella (policy), you can depend on Della.

A person in a suit holds a multicolored umbrella with blue, beige, and white panels.

It covers big liability claims, like accidents, lawsuits, or property damage, that exceed your standard policies. It’s peace of mind for worst-case scenarios.

It won’t cover your own property, business losses, or intentional acts. It’s designed for liability, not everyday wear and tear.

Anyone with assets, savings, or future income to protect. If a lawsuit could put your finances at risk, it’s worth considering.

Most people carry between $1 million and $5 million, depending on assets and lifestyle risks. The idea is to cover more than what you could afford to lose.

Typically $150 – $300 per year for $1 million in coverage. It’s surprisingly affordable for the amount of protection it provides!

The main downside is having to pay for it! But compared to the protection you get, it’s usually minimal.

Not if you want to protect your savings and future. One major accident or lawsuit can cost far more than the policy itself.