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Personal Umbrella Insurance

Personal Umbrella Insurance Information

Protect yourself from a scenario where your "regular insurance" isn't enough. A personal umbrella policy is called an "umbrella" policy because it provides liability coverage over and above your standard auto insurance or homeowners insurance. 

Umbrella Policies for Missouri, Illinois and Arkansas

In any critical situation, having personal umbrella insurance from Redel Insurance Agency, Inc. will protect your home, car, future wages, and all of your valuables from being used to pay for the expenses. Our agents are committed to the safety and security of you and your family, which is why we will work with you to create a perfect policy that protects all of your interests.

Coverage That Keeps You Protected

A personal umbrella policy from Redel Insurance Agency, Inc. works to give you additional protection when damages exceed the liability coverage of your standard policies. It offers extra security for many situations that may not be included in your basic insurance, including: 


Car accidents

Accidental injuries on your property

Accidents involving your boat, ATV or other recreational vehicle

Golf course injuries

Defense fees or other legal costs

Personal injury coverage for claims of libel, slander and more


Personal umbrella policies will vary depending on your individual coverage needs, it’s important to discuss your options with one of our insurance specialists before making a decision.

Don’t forget the discounts! Our agents are ready to discuss multi-policy and claims-free discounts available with a personal umbrella policy. Redel Insurance Agency services the Ellisville, Ballwin, Chesterfield and surrounding areas in Missouri and Illinois, as well as the Marion and Baxter Counties in Arkansas. Call us today at 636-394-7676 for a free quote.

Frequently Asked Questions

What is umbrella insurance?
This is optional protection that provides additional liability coverage beyond that of your homeowners or auto insurance policy. For example, if the unexpected happens and you are sued, your home and auto policies kick in first and your umbrella will cover the excess when your limits have been reached. 
What does an umbrella policy cover?
This policy covers defense costs, judgements and court costs, personal injury, property damage, slander, defamation, libel, wrongful eviction and so on. 
Do I really need an umbrella policy?
Almost anyone may benefit from an umbrella policy, regardless of income or assets, because accidents can happen to anyone. Certain lifestyle factors, such as having a backyard swimming pool, come with additional responsibilities and potential liabilities if you don't have sufficient protection in place. 
Would an umbrella policy cover my whole family?
This policy may extend to other members of your household, such as a spouse or children. There are some exclusions, so be sure to read your policy or discuss this question with a Redel Insurance agent.