Is Umbrella Insurance Worth It?

When it comes to insurance, most people only think about their car and home insurance policies. However, another type of policy is becoming increasingly popular: umbrella insurance. Umbrella insurance provides extra coverage for incidents not covered by your other policies. So, is umbrella insurance worth it? In this blog post, we’ll discuss the pros and cons of umbrella insurance and help you decide if it is right for you!

The Advantages of Umbrella Insurance

Umbrella insurance is one of those things that you hope you never have to use but are glad to have if you ever need it. It provides an extra layer of protection against lawsuits or damages that exceed the limits of your homeowners or auto insurance. Umbrella insurance from Familia Insurance Agency in Kissimmee, FL can provide coverage for a variety of incidents, including:

  • Bodily injury
  • Property damage
  • Libel and slander
  • Personal injury

This policy can be beneficial if you are sued or held liable for an accident. Umbrella insurance can also provide peace of mind in knowing that you are fully protected.

The Disadvantages of Umbrella Insurance

While umbrella insurance has many advantages, there are also some disadvantages. One of the most significant disadvantages is the cost. Umbrella insurance policies can be expensive and may not be worth the price if you do not feel like you need the extra coverage.

Another disadvantage of umbrella insurance is that it only provides coverage for certain incidents. If you are sued for something not covered by your policy, you will still be responsible for paying the damages. This is why it is important to understand the limits of your policy and what type of protection it offers.


Umbrella insurance can be a great way to protect yourself from lawsuits and damages. However, it is crucial to understand the advantages and disadvantages of this type of policy before you purchase it. If you decide that umbrella insurance is right, shop for the best rates and coverage. Familia Insurance Agency in Kissimmee, FL can help you find the right policy for your needs. Give us a call today to get started.