The Ultimate Safety Net for Your Family's Future.
You don't have to be a millionaire to be sued like one. Umbrella insurance provides an extra layer of liability protection for when the unexpected happens.
When 'Full Coverage' Isn't Enough
Your standard Home and Auto policies have limits. If you are liable for a major accident, and the costs exceed those limits, your personal assets—your home, your savings, and your future wages—are at risk. Umbrella insurance kicks in where your other policies stop.
The Teen Driver: A serious multi-car accident caused by a young driver can easily exceed the $300k or $500k limit on your auto policy. Who pays the rest? You do.
The Home Accident: A guest slips on your icy walkway, a dog bites a neighbor, or a child is injured in your pool. Medical bills and legal fees can escalate instantly.
The Social Media Risk: Did you know Umbrella often covers 'Personal Injury' like libel or slander? If your child posts something damaging online and you get sued, this policy can protect you.
“He asked lots of questions... and analyzed our existing policies... He spotted gaps in our coverage and places where we were underinsured... We were so pleased to get better coverage with a lower premium”
We Find the Gaps Before They Become Problems
The Rueter Difference: Coordinating Your Coverage
An Umbrella policy only works if it fits perfectly with your Home and Auto policies. We use 'The Rueter Method' to review your underlying limits first. We ensure there are no gaps between where your auto policy ends and your umbrella policy begins, so you are never left exposed.
Million-Dollar Protection for Pennies a Day
Umbrella insurance is one of the most affordable ways to protect your wealth. Let us build a plan that keeps your family safe.
Or Call Us to Review Your Limits: 215-637-8223