At Five Star Insurance Agency, serving Fords, NJ, we believe that peace of mind shouldn’t be reserved for rare emergencies—it should be part of your everyday life. That’s where umbrella insurance comes in. While it might not be something you think about often, it can make a significant difference when the unexpected happens.

Everyday Life Comes with Hidden Risks

You don’t need to be a business owner or high-net-worth individual to face personal liability risks. Imagine a guest slipping on your icy driveway or your teenager causing a fender bender that results in multiple injuries. These are common scenarios that could leave you financially exposed if your basic insurance limits are exceeded.

What Umbrella Insurance Really Does

Umbrella insurance serves as an additional layer of protection, providing extra liability coverage beyond what your auto or homeowners policy offers. It helps cover legal fees, medical expenses, and damages if you’re found responsible for an accident. It’s not just for the wealthy—it’s for anyone who wants to safeguard their assets and future earnings from costly lawsuits.

It’s More Affordable Than You Might Think

Many people are surprised to learn how affordable umbrella insurance can be. For a relatively low cost, you can secure a substantial amount of additional protection. It’s a small investment for a large amount of security, especially given today’s rising legal and medical expenses.

Let’s Talk About Your Safety Net

At Five Star Insurance Agency, serving Fords, NJ, we’re here to help you prepare for life’s “what ifs.” If you’re curious about how umbrella insurance could fit into your overall protection plan, contact us today. We’ll walk you through your options and help you find the right coverage to keep your future secure.