Umbrella Insurance

Adding extra coverage to your life!

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Umbrella Insurance

Adding extra coverage to your life!

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Umbrella Insurance

An umbrella liability policy from Midwest Heritage adds an extra layer of financial protection for you and everything you’ve built. Be prepared for the unexpected with umbrella insurance from Midwest Heritage.

What is umbrella insurance? Umbrella insurance is a type of liability insurance that supplements liability coverage on your auto, home, renters and recreational vehicle insurance. However, an umbrella insurance policy better insulates your net worth by providing a much higher limit and offers broader coverage for circumstances not directly relating to home and auto policies.

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Examples of Umbrella Insurance Coverage

When a liability claim exceeds the limit on your auto, home or recreational vehicle policy, an umbrella policy can come into play. Below are some common scenarios of claims that occur that can exceed the liability limits on your underlying auto, home and recreational vehicle insurance policies.

Accidental Injuries on Your Property

Recreational Vehicle Accidents

Vehicle Accidents

Slander or Libel

Legal Fees Related to Claims

Earn a $25 Hy-Vee Gift Card for Sharing Two Referrals!*

Help your family and friends get the same superior insurance coverage and service, and receive $25 for sharing two insurance referrals with Midwest Heritage.

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Umbrella Insurance FAQs

Umbrella insurance policies work by picking up where your typical liability insurance leaves off. 

Anyone can benefit from an Umbrella Insurance policy. The types of lawsuits that Umbrella Insurance usually cover are the ones that have the ability to wipe out your whole savings. A good rule of thumb on whether to purchase Umbrella Insurance or not, is if your Auto or Homeowners Liability Insurance is less than the overall value of all of your assets. 

Umbrella insurance protects you from acquiring large payouts from bodily and personal injury claims, property damage, landlord liability, and defamation and slander lawsuits.

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Securities offered through Osaic Wealth, Inc. member FINRA/SIPC. Investment advisory services offered through Midwest Heritage Financial Advisors. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Midwest Heritage and Hy-Vee are not affiliated with Osaic Wealth, Inc. NOT FDIC INSURED • MAY LOSE VALUE • NO BANK GUARANTEE • NOT A BANK DEPOSIT • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

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Legal Disclosures and Information

Products offered by Midwest Heritage Insurance Services are not insured by the FDIC or any other Federal Government Agency, are not a deposit or obligation of, or guaranteed by Midwest Heritage, may involve investment risks, including possible loss of principal amount invested, and may lose value.

*A $25 Hy-Vee gift card will be issued for every two insurance referrals shared with Midwest Heritage. Only existing Midwest Heritage customers are eligible to participate in this program. It is not a requirement the referral becomes a client. Midwest Heritage employees are not eligible to participate in this program. This program may be altered or discontinued at any time.