Protect Your Assets Beyond Basic Coverage

A serious accident or unexpected lawsuit could put everything you’ve worked for at risk. Personal Umbrella Insurance gives you an added layer of financial security, ensuring your home, car, and savings stay protected when standard policies aren’t enough.

Umbrella Insurance – When Basic Coverage Isn’t Enough

Standard insurance policies have limits—but lawsuits don’t. A severe car accident or an injury on your property could leave you facing massive financial claims that surpass your home or auto insurance coverage.

Without umbrella insurance, your savings, future wages, and even your home could be at risk.

This affordable extra layer of protection ensures you’re covered when it matters most—offering financial security beyond your standard policies.

Coverage

Personal Umbrella insurance can be applied to events such as:

  • Car Accidents

  • Accidental injuries on your property

  • Accidents involving your boat, ATV, or other recreational vehicle

  • Golf Course Injuries

  • Defense fees and other legal costs

  • Personal Injury Coverage for claims of libel, slander

  • and more…

Think of It as an Extra Safety Net

Umbrella insurance in Ankeny, IA – Adamson Insurance & Associates protecting homes and assets with extra liability coverage

Your home and auto insurance are essential, but they weren’t designed to cover everything.

Umbrella insurance extends that protection, covering high-cost claims that could otherwise drain your savings.

From major accidents to legal defense fees, umbrella insurance fills the gaps, ensuring that no single incident puts your financial future at risk.

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Why is Umbrella Insurance Important?

The insurance offers an invaluable safety net that stretches beyond the confines of standard insurance policies, becoming a fundamental element in a comprehensive protection plan. Here are some lesser-known, yet key advantages of investing in an umbrella insurance policy:

  • Diverse Asset Protection: It safeguards a wider range of assets that other insurance policies may not cover, fortifying your financial future.
  • Non-profit Volunteer Protection: If you volunteer for a non-profit, the insurance can protect you from liability claims that might arise during your service.
  • Rental Equipment Coverage: Damage or liability issues related to rented equipment, boats, or cars may be covered under your umbrella policy.
  • Future Income Coverage: In certain situations, your future income might be at risk in a lawsuit. The insurance can protect this income before it’s jeopardized.

Umbrella insurance delivers a sense of financial serenity, helping you navigate life’s storms with a robust and dependable shield. It serves as a protective fortress for your assets, while also catering to specific needs not usually addressed by standard insurance policies. So, whether it’s unexpected liabilities or the protection of future earnings, the insurance is a cornerstone for comprehensive financial planning, providing an umbrella of certainty in an uncertain world.

Umbrella Insurance

Customer Comments

I have had amazing experiences with Adamson & Associates from supporting me during a move (homeowners policy) to consistently providing top-notch customer service during times of need like after the derecho and forgetting about an expired auto ID card while renting a car. Mike, Erin, and the team provide A+ service — they’re all very quick and attentive. Thanks team!
Susan Metheny, Ankeny, IA

Just renewed home and vehicle policies. Great staff, organization, and customer service.

David McDonald , Des Moines, IA
Rebekah Jo

They were very professional. With a welcoming staff and very nice facility. They were there to help anywhere from larger business accounts to personal accounts needs. I will highly recommend using Adamson Insurance & Associates.

Rebekah Jo , Ankeny, IA

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