Imagine driving home on a rainy night and running a red light, causing a crash. The other driver suffers severe injuries and sues for $750,000. Your auto insurance covers only $300,000, leaving you responsible for $450,000. Without an umbrella policy, you might have to drain savings, sell assets, or face wage garnishment.
With an umbrella policy, the extra $450,000 is covered, protecting your finances.
Other examples where an umbrella policy helps:
Slip-and-Fall at Home – A guest sues after slipping on your icy driveway.
Dog Bite Lawsuit – Your dog bites a neighbor, leading to a legal claim.
Social Media Defamation – Your teen’s post results in a lawsuit.
An umbrella policy provides affordable extra protection for unexpected liability claims that exceed your primary coverage.
We love insurance, so you don’t have to.
© 2026 Esco Insurance Agency
CONTACT
815-922-6616
PO Box 712
Wilmington, IL 60481
828-231-6577
1185 Charlotte Hwy.
Unit H
Fairview, NC 28730
Fax: 815-846-8289
