Personal Umbrella Insurance

Personal Umbrella Insurance

Extra Protection for Life’s Unexpected Moments

In today's world, unforeseen incidents can lead to significant financial liabilities. Personal Umbrella Insurance offers an additional layer of protection beyond your existing auto, homeowners, or renters policies, ensuring you're safeguarded against substantial claims or lawsuits.

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Home & Auto Liability Extension

Provides additional protection when your homeowners or auto insurance limits are exceeded due to a serious accident or claim involving bodily injury or property damage.

Personal Injury Liability

Extends coverage to include claims such as libel, slander, defamation, and false imprisonment—risks that are not typically covered by basic home or auto insurance policies.

Legal Defense Costs

Umbrella policies cover legal expenses associated with defending a lawsuit, even if you’re not found liable—helping you avoid financial strain during long legal battles.

Answers to Your Personal Umbrella Insurance Questions

  • Do I need Personal Umbrella Insurance?

    Homeowners insurance helps protect your home, personal belongings, and liability in case of unexpected events like fire, theft, or certain types of damage. It can also cover additional living expenses if you need to temporarily relocate while your home is being repaired.


    However, standard homeowners insurance in Hawaii does not cover hurricane or flood damage—two common risks in the islands. To be fully protected, you may need to purchase separate hurricane and flood insurance policies in addition to your homeowners coverage.

  • How does it work with my existing policies?

    Flood damage is not covered under a standard homeowners insurance policy and requires a separate flood insurance policy.


    Hurricane coverage in Hawaii may be included in a homeowners policy or may be excluded and offered through a separate hurricane policy—this depends on your insurer and the terms of your policy. It's important to carefully review your coverage or speak with your insurance provider to confirm how hurricane risks are handled in your specific case.

  • Is it expensive?

    Considering the extensive coverage, Personal Umbrella Insurance is relatively affordable, offering peace of mind at a reasonable cost.

Extra Peace of Mind for the Unexpected

You don’t have to be a millionaire to be sued like one. With a Personal Umbrella Policy from John H. Connors Insurance, you can confidently protect your future against life’s uncertainties. Let us help you build a safety net that extends far beyond your standard coverage.