An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal compared to the comfort of knowing you and your family is covered.


A lot of factors determine the amount of coverage you need.  Your assets, lifestyle, and current coverage are all relevant, but in liability lawsuits, judgments can exceed net worth.


Liability lawsuits are unpredictable and can exceed your limits.  In such a case your personal assets may be at risk.  Not only will an umbrella policy provide extra protection, but it can also help keep your claim from going to court!


Preferred Guardian Insurance has agents that specialize in the home and auto insurance field.  These same specialists are available to explain coverage, know where to find the cheapest home and auto insurance by utilizing discounts available for multi-policies without compromising coverage.  With access to MANY Different Insurance Companies, PGI should be your insurance agency or insurance broker of choice.