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Bialke Agency

Umbrella Insurance

Why Umbrella Insurance Is No Longer an Option You Can Put Off or Ignore

Personal umbrella insurance protects you from potentially expensive and overwhelming liability claims against you or your property. When your standard insurance policy can’t handle these types of claims or lawsuits, your umbrella insurance acts as your safety net and keeps you from drowning in unexpected debt.

Personal Umbrella Insurance
Umbrella Insurance Coverage

Personal Umbrella Insurance

Umbrella insurance is designed to protect you from expensive, sometimes devastating surprises in the event of a catastrophic event and where your home or auto policies are not enough to cover mounting costs and lawsuits.

Your property and vehicle insurance policies don’t cover personal injury liability. Additionally, you might end up facing the responsibility for awards following a suit that is more than the underlying limits of your existing property or vehicle policy.

Key Benefits include:

Coverage over a wide range of losses, including any damages arising out of a covered occurrence* anywhere in the world you are legally obligated to pay because of:

  • Bodily Injury: Medical costs, loss of income, or the funeral expenses of other people involved in the claimed accident
  • Personal Injury: False arrest, invasion of privacy, libel, slander, humiliation, or  the defamation of another person’s character
  • Property Damage: Physical destruction of someone else’s property, including the resulting loss of its use

And because it’s a personal umbrella of coverage – you’re not the only one who personally benefits from its blanket of financial protection.

  • You and your spouse are covered
  • Any person named on the Policy Declarations, and
  • Any relative or dependent living with you

Beyond Added Liability Coverage

A PUP (personal umbrella policy) provides you with defense costs, attorney fees, personal and injury protection. In fact, personal umbrella policies are usually available in million-dollar increments from $1 million to $5 million, but an Allstate personal umbrella policy could also include coverage under the following situations:

  • If you’re sued over an incident covered by your PUP, Allstate may retain and pay for your attorney.
  • Protection no matter where you are in the world.
  • Wage loss protection when the loss of wages is due to a court appearance, up to the limits specified in your PUP policy.

Umbrella Coverage for Renters


You may not own the property you call home, but that won’t stop someone from suing you after an accident or other unexpected event. Personal umbrella policies (PUPs) are designed to help protect you against exorbitant liability claims. A PUP could protect your income from being garnished if you are ever found liable for damages in a suit.


Coverage for the Every Day Person

What we mean by this is that a PUP is not just for the wealthy. In fact, to add an umbrella policy to your existing qualified home and auto bundle could be the difference between a couple of lattes from your favorite coffee house each month.  And, with increasing settlement awards over the years, it is essential you have coverage in place that can help protect your assets and future wages.

Limitations of a PUP

While a PUP can keep you covered for many of life’s unexpected scenarios, there will be some situations where a personal umbrella policy will not cover you. Some of these include liability or damages related to your business, your personal belongings, intentional or criminal acts or omissions, and any written or oral contract.

Contact US

Reach out to our team.

Make sure you’re protected from life’s uncertainties. Whether you’re changing your career, starting a business, growing a family, raising children, or nearing retirement, The Bialke Agency has your back. Contact us today to discuss the right coverage for your life’s most important things.

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Licensed Sales Professional

Thomas Allen

Thomas graduated from Winona State University with the intention of pursuing a career in insurance.

That decision was based on a passion to be a part of an industry that helps people in their time of need. He wants to be able to provide peace of mind so the clients he serves can live their lives worry-free.

In his free time, Thomas likes to watch college football, play guitar, and golf, and attend concerts with friends. He also enjoys just hanging out with his two puppies — Mauser and Jojo.