🛡️ The Most Overlooked Insurance You Might Be Missing

When people think of insurance, they usually focus on the basics: home, auto, health, and maybe life insurance. While these are essential, there’s one powerful form of protection that’s often forgotten—and it could save you from financial disaster.

So, what’s the most overlooked insurance?
Let’s talk about umbrella insurance.

☂️ What Is Umbrella Insurance?

Umbrella insurance provides extra liability coverage that goes beyond the limits of your home, auto, or renters insurance. It protects you financially if you’re sued or held responsible for major injuries, damages, or legal claims.

Think of it as a financial safety net—it “opens up” when your existing policies have been maxed out.

✅ What Does It Cover?

• Bodily injury liability (e.g., car accident injuries)
• Property damage liability (e.g., damaging someone else’s car or home)
• Legal defense costs
• Personal lawsuits (e.g., libel, slander, defamation)
• Injuries that happen on your property
• Damages caused by pets or children

Real-World Example:

You’re at fault in a major car accident, and the total damages are $700,000. Your auto policy covers only $300,000. Without umbrella insurance, you’d owe $400,000 out of pocket. With umbrella insurance, that gap is covered.

🧠 Why Is It So Overlooked?

1. It’s not required by law – unlike car insurance, it’s optional.
2. Many people don’t realize they’re at risk – until something happens.
3. It sounds like it’s only for the wealthy – but it’s surprisingly affordable and practical for everyday families.

💡 Who Should Consider Umbrella Insurance?

You don’t need to be a millionaire to be sued like one. Consider umbrella insurance if you:

• Own a home
• Have a pool, trampoline, or dog
• Drive frequently
• Have teen drivers in the household
• Host guests at your home
• Own rental or investment property
• Are active online or on social media

Even a single lawsuit can wipe out your savings or retirement—umbrella insurance helps shield your future.

💰 How Much Does Umbrella Insurance Cost?

One of the biggest surprises about umbrella insurance is how affordable it is. For around $150 to $300 per year, you can typically get $1 million in coverage—with options to add even more protection if needed.

🏠 Other Overlooked Insurance to Consider

In addition to umbrella coverage, here are other policies people often skip:

• Flood Insurance – Not included in standard homeowners insurance, but crucial in certain areas.
• Earthquake Insurance – Especially important in California.
• Disability Insurance – Replaces lost income if you’re unable to work.
• Renter’s Insurance – Affordable and covers personal belongings and liability.
• Service Line Insurance – Covers water/sewer line damage not typically included in homeowners policies.

🤝 Get the Coverage You Didn’t Know You Needed

At Eugene C. Yates Insurance Agency, we specialize in helping Sacramento residents fill the gaps in their insurance coverage. We can help you understand whether umbrella insurance—or any other overlooked policy—makes sense for your life and budget.

✅ Customized coverage
✅ Affordable rates
✅ Trusted local agents since 1946

📞 Call us today or request a free quote online.
Your peace of mind is worth the conversation.