Personal Umbrella Insurance

What exactly is an umbrella policy? Why would I need one?

Fortify Group agents are asked these questions often. 

Think of it this way: Your ‘regular’ home or auto insurance policies offer the coverage one expects to need in standard insurance situations, such as a car accident or hail damage to your home. 

Umbrella policies offer extra liability coverage for the times when it’s pouring rain, so to speak. 

It’s an extra layer of monetary protection -- $1 million to $5 million -- in the event of major claims and lawsuits. These policies are surprisingly affordable - often costing less than the average plane ticket while providing at least 1 million in coverage.

Almost everyone should consider this coverage. It not only protects assets but future earnings. No one expects to be sued. But if you are held legally liable for certain injuries or property damage, an umbrella policy will be there to assist with paying the settlement you are held responsible for.

Landowners, in particular, should consider this option – with recent area land values rising to $10,000 per acre, it may take a multi-million dollar umbrella policy to ensure you retain your land.


This is also a key tool for parents of young drivers. The split-second decisions of an inexperienced driver can ultimately affect you financially, as parents can be held liable for the actions of their dependents.

Talk with your Fortify Group agent to learn more about this important coverage. 

Jeff and Sally Row in their shop
It's nice to get guidance from people you know and can have a conversation with.
Jeff Row
The Hejny Family
Personal service is huge to us. We like to stay connected to people. With Fortify we feel less like clients and more like extended family.
Terry & Pam Hejny
Tiffany W. is pictured at work with a brick stone background. She gave Fortify Group testimonial comment.
Saved me almost $75 per month!! Definitely worth a quote!
Tiffany W.
Jen Griifith is pictured by the brick front pillars of the Shickley Community Center, where she works as the village clerk. She has long, dark hair and is wearing a pink blouse.
“Everyone has their forte in life. Insurance is not mine. I wanted to find someone I could trust...It was easy to trust Joe and Roxie and I was comfortable asking them questions.” Jen Griffith
Jen Griffith
Brett Beavers, owner of Beavers Dairy, is seated in his office. A image of a Holstein cow is pictured on the cabinet behind him.
Comprehensive insurance is so important. When you do something of this scale, managing risk is key. If you are laying everything on the line you have to consider every scenario.
Brett Beavers of Beavers Dairy