How a 1 Million Umbrella Policy Offers Million Dollar Peace of Mind

Protecting What Matters: Why You Need a Safety Net

A 1 million umbrella policy provides additional liability coverage beyond your standard home and auto insurance, typically costing $150-$380 per year while protecting your assets from lawsuits and claims that exceed your primary policy limits.

Picture this: You’re hosting a neighborhood barbecue in your backyard. Everyone’s enjoying the evening when suddenly a guest trips on a loose patio stone, falls awkwardly, and suffers a serious injury requiring surgery and months of physical therapy. Their medical bills quickly exceed $300,000, and they sue you for additional damages including lost wages and pain and suffering. Your homeowner’s insurance maxes out at $300,000, leaving you personally responsible for the remaining $500,000.

This scenario plays out more often than you might think. In our increasingly litigious society—where approximately 15 million civil lawsuits are filed annually—a single accident can put everything you’ve worked for at risk.

A 1 million umbrella policy acts exactly as its name suggests: it hovers above your existing insurance, ready to deploy when a financial storm threatens your assets.

Unlike what many believe, umbrella policies aren’t just for the wealthy. If you own a home, drive a car, have savings, or earn an income that could be garnished, you have assets worth protecting. And at roughly the cost of a daily coffee, the peace of mind is invaluable.

I’m Christian Strange, and with over 15 years of experience in risk mitigation and insurance, I’ve seen how a 1 million umbrella policy has saved families from financial devastation after unexpected incidents turned into major liability claims. Let me walk you through everything you need to know about this crucial but often overlooked insurance protection.

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What Is a 1 Million Umbrella Policy?

A 1 million umbrella policy is like a financial safety blanket that sits above your regular insurance policies. It provides an extra $1 million in liability protection that kicks in when your standard home, auto, or watercraft insurance limits have been exhausted.

Think of your insurance coverage as layers of protection. Your primary policies handle the everyday risks, but your umbrella policy catches the bigger, potentially life-changing financial threats that could otherwise fall directly on your shoulders.

Unlike your home or auto policies that protect specific assets, an umbrella policy shields your entire financial world—your savings, investments, retirement accounts, and even your future earnings—from major liability claims that could otherwise wipe them out.

The “1 million” in the name is straightforward: this policy will cover up to $1 million in damages beyond what your underlying policies pay. This coverage applies whether you face one massive claim or several smaller claims throughout your policy year.

How a 1 Million Umbrella Policy Layers on Home & Auto

Your 1 million umbrella policy doesn’t replace your existing insurance—it improves it, creating a seamless system of protection. Here’s how this layering works in real life:

When an incident occurs, your primary policies (homeowners, auto, boat) handle the claim first. Only when those limits are reached does your umbrella policy step in, covering the gap between your primary insurance and the total claim amount (up to that $1 million limit).

For example, imagine you cause a serious car accident resulting in $500,000 of medical bills and property damage. If your auto policy maxes out at $300,000, your umbrella policy would cover the remaining $200,000, protecting you from having to pay that difference out of pocket.

What many people don’t realize is that umbrella policies typically include legal defense costs above and beyond the policy limit. If you’re sued—even for something that seems frivolous—your umbrella policy will pay for attorneys to defend you, regardless of whether you’re ultimately found liable.

Another valuable feature: while your standard policies might have geographic limitations, umbrella coverage typically extends worldwide. This makes it especially valuable for families who travel internationally, giving you peace of mind that your protection travels with you.

Key Features of a 1 Million Umbrella Policy

A 1 million umbrella policy goes beyond basic liability coverage to protect you in situations your standard policies weren’t designed to handle:

Beyond covering bodily injury and property damage like your standard policies, umbrella insurance protects you against libel and slander claims if you’re sued for damaging someone’s reputation. It also covers false arrest or imprisonment situations, defamation claims, invasion of privacy accusations, and even wrongful entry or eviction disputes.

One policyholder finded the value of these additional protections after posting what she thought was a harmless online review: “I never imagined my honest feedback about a local business would spiral into a $250,000 defamation lawsuit. My homeowner’s policy wouldn’t touch it, but my umbrella policy covered everything—legal fees and all.”

These protections become increasingly important in our digital age, where a single social media post can lead to unexpected legal challenges that standard insurance simply wasn’t designed to address.

For a comprehensive breakdown of what these policies cover, check out our detailed guide on Umbrella Policy: What Does It Cover?

Coverage vs. Exclusions You Must Know

Understanding what is and isn’t covered by a 1 million umbrella policy is crucial for proper financial protection. Let’s break down the specifics:

What a 1 Million Umbrella Policy Covers

When life throws its worst at you, a 1 million umbrella policy steps in to provide that extra layer of protection. Think of it as your financial safety net for those “what if” moments we all hope never happen.

For bodily injury claims, your umbrella coverage kicks in after your auto or home insurance limits are exhausted. This includes not just immediate medical bills but also long-term care costs, lost wages for injured parties, and even pain and suffering damages awarded by courts. I’ve seen this coverage become a lifesaver for families facing catastrophic injury claims that quickly balloon beyond primary policy limits.

When it comes to property damage to others, your umbrella policy covers repair or replacement costs that exceed your primary insurance. This extends to rental expenses while damaged property gets fixed and compensation for loss of use. One client told me how relieved they felt when their umbrella policy covered extensive damage to a neighbor’s home after a tree from their yard fell during a storm.

Your umbrella policy also shines in various personal liability scenarios. Dog bites (though some breeds may be restricted), swimming pool accidents, teenage driving incidents, and injuries to tenants in rental properties are all typically covered. I remember helping a family whose normally gentle golden retriever nipped a delivery person, resulting in a claim that exceeded their homeowner’s liability limits.

Perhaps most valuable is the legal protection your umbrella policy provides. Attorney fees, court costs, expert witness fees—these expenses alone can devastate your finances even before any settlement. Your umbrella policy covers these costs, often outside your policy limits, meaning your full million remains available for the actual claim.

A real-life example from our files: A client’s teenage son was driving with friends when he became distracted and caused a multi-car accident. The resulting injuries led to claims totaling $700,000—well beyond the $300,000 auto policy limit. Their 1 million umbrella policy covered the additional $400,000, protecting the family’s savings and home equity.

What a 1 Million Umbrella Policy Does NOT Cover

Despite its broad protection, a 1 million umbrella policy has important exclusions you should understand—areas where this safety net won’t catch you.

First, understand that umbrella policies don’t cover your own injuries or property. Your personal medical bills, damage to your home, car, or possessions—these require your health insurance, homeowners, or auto policies. Your umbrella policy is designed to protect you from claims others make against you, not to replace your primary insurance.

Intentional or criminal acts are universally excluded. If you deliberately cause harm or damage, or if damages result from illegal activities, don’t expect your umbrella policy to help. Many policies also exclude incidents involving intoxicated driving—something I always emphasize to clients with teenage drivers.

Many people are surprised to learn that business-related liabilities fall outside umbrella coverage. Professional errors, employee injuries, or damage claims related to your business require separate commercial coverage. I’ve had to deliver this unwelcome news to more than one client who assumed their personal umbrella would cover their side business.

Your umbrella policy also won’t cover contractual obligations where you’ve agreed to accept liability through a contract or agreement. This is a subtle but important distinction—liability you voluntarily assume differs from liability imposed by law.

Other common exclusions include certain high-risk dog breeds (varies by insurer), some recreational vehicles without specific endorsements, and events like war or nuclear incidents. These exclusions vary by policy, which is why reviewing your specific coverage is so important.

One client learned this distinction the hard way when their home-based business activities led to a liability claim that their personal umbrella wouldn’t cover. “I assumed because it happened on my property, it would be covered,” they explained. “I didn’t realize I needed a separate commercial policy for my side business.”

For a detailed analysis of potential coverage gaps, we recommend reading Watch for Holes in Your Umbrella Insurance Policy.

Cost of a 1 Million Umbrella Policy & What Drives It

The good news about a 1 million umbrella policy is that it delivers incredible value for money. When you consider the protection it provides, you might be pleasantly surprised by its affordability.

Typical Premium Breakdown

Most people pay between $150 and $380 per year for a 1 million umbrella policy—that breaks down to about $12 to $32 monthly. For perspective, that’s probably less than your monthly coffee budget or what you’re paying for streaming services.

Here’s what you can expect to pay at different coverage levels:

Notice something interesting? Each extra million in coverage only adds about $50-$75 to your yearly premium. This decreasing cost per million makes higher coverage limits worth considering, especially if you have substantial assets to protect.

“I always tell clients that the first million in coverage is the most expensive,” says Christian Strange. “After that, each additional million is significantly cheaper because statistically, fewer claims ever exceed that first million-dollar threshold.”

Many of our clients at Strange Insurance have finded a clever way to offset the cost: simply raising your homeowners deductible from $500 to $1,000 often saves enough on that premium to essentially pay for your 1 million umbrella policy.

Want more specific pricing details? Check out our guide on the Average Cost of 1 Million Dollar Umbrella Policy.

Factors That Influence Your Rate

Your personal situation affects what you’ll pay for a 1 million umbrella policy. Here are the main factors that insurers consider:

Where you live matters a lot. Virginia and North Carolina have different insurance regulations, litigation environments, and regional risk factors that can affect your premium. Areas with higher lawsuit settlement amounts typically see higher umbrella premiums.

Your personal risk profile plays a big role too. Do you own multiple properties? Drive several vehicles? Have teenage drivers in your household? Own a boat or ATV? Have a swimming pool or trampoline? All these “attractive nuisances” and risk factors will influence your rate. Even pet ownership—particularly certain dog breeds—can impact your premium.

Your insurance history tells insurers a lot about you. Previous claims, your driving record (tickets, accidents, DUIs), and in many states, your credit-based insurance score all factor into pricing. While Virginia and North Carolina have specific regulations about using credit information, research by the Insurance Information Institute confirms that credit-based scores do help predict claims behavior, which is why most insurers consider them.

When you compare options, you’ll often find that umbrella insurance is more cost-effective than simply raising liability limits on individual policies. For example, raising your auto liability to $500K might cost an extra $100-$200 annually, and boosting your home liability to $500K could add $50-$150. But for $150-$380, a 1 million umbrella policy gives you $1,500,000+ in total coverage—significantly more protection for comparable or even lower cost.

For more insights on insurance costs based on scientific research, check out this Forbes article on car insurance and umbrella coverage.

Do You Need a 1 Million Umbrella Policy?

The question isn’t whether you can afford a 1 million umbrella policy—it’s whether you can afford to be without one.

When I talk with clients about umbrella coverage, I often ask them to imagine their life’s work—their home, savings, retirement plans—all at risk because of one unfortunate accident. It’s a sobering thought that puts the modest cost of umbrella protection into perspective.

To determine if you need this coverage, start by taking an honest inventory of your assets. Your home equity, savings accounts, investments, retirement funds (though some have legal protections), vehicles, and valuable possessions all contribute to your net worth. Don’t forget about your future earning potential too—in many states, judgments can reach beyond your current assets to garnish future wages.

Next, think about your everyday risk exposure. Homeownership, teenage drivers in your household, backyard gatherings, swimming pools, trampolines, dogs, volunteer activities, recreational sports, and even your social media presence can all create liability vulnerabilities. Each of these common situations represents a potential pathway to a lawsuit.

The final piece of the puzzle is understanding where your existing coverage falls short. Most auto policies max out at $250,000-$500,000 per accident, while homeowners liability typically caps at $300,000-$500,000. And standard policies offer virtually no protection against libel, slander, or false arrest claims—increasingly common in our digital age.

Real-Life Scenarios Where $1M Saved the Day

The value of a 1 million umbrella policy becomes crystal clear through real-world examples. These actual claims (with identifying details changed) show how umbrella coverage has rescued our clients from financial devastation:

A client driving home from work caused a chain-reaction accident involving four vehicles. The resulting medical bills, lost wages, and property damage reached $780,000—far exceeding their $300,000 auto policy limit. Their umbrella policy stepped in to cover the additional $480,000, preserving their retirement savings and home equity.

During a summer barbecue, a guest dove into a client’s pool, misjudged the depth, and suffered a severe spinal cord injury. The claim totaled over $1.2 million. After the homeowner’s policy paid its $500,000 limit, the umbrella covered the remaining $700,000—preventing a potential bankruptcy.

Another client learned the power of social media the hard way when their comments about a local business owner went viral. The resulting defamation lawsuit claimed the posts damaged the owner’s reputation and business. The $375,000 in legal defense costs and settlement wasn’t covered by any standard policy, but their umbrella policy handled the entire claim.

A tenant’s child fell from a second-story window in our client’s rental property due to a faulty window guard. The $900,000 claim for medical expenses and pain and suffering far exceeded the property liability coverage, but again, the umbrella policy bridged the gap.

With approximately 15 million civil lawsuits filed annually in the U.S., liability exposure isn’t just a concern for the wealthy—it’s a reality for anyone with assets to protect or future income to earn.

Is $1 Million Enough—or Should You Upgrade?

While a 1 million umbrella policy provides substantial protection, it may not be sufficient for everyone. I recommend considering these guidelines when determining your coverage amount:

A good rule of thumb is to match or exceed your net worth with your umbrella coverage. This helps ensure all your assets remain protected if you face a significant judgment.

Don’t overlook your future earning potential. Even if your current assets are modest, your future income could be at risk without adequate protection. A young professional with decades of earning ahead may need more coverage than their current assets suggest.

Be mindful of inflation and verdict trends. Jury awards have been trending upward significantly in recent years. What seemed like adequate coverage a decade ago might leave you exposed today. Many legal experts now suggest $2-$5 million as the new baseline for adequate protection.

Finally, consider the remarkably affordable incremental cost. Since each additional million in coverage typically adds only $50-$75 to your annual premium, upgrading from $1 million to $2 million or more is often a wise investment.

As one client told me after upgrading their coverage: “When I realized I could double my protection from $1 million to $2 million for less than $6 a month extra, it was a no-brainer.”

For a personalized assessment of your specific coverage needs, check out our detailed guide on How Much Umbrella Insurance Do I Need?

Buying & Maintaining Your Umbrella Coverage

Getting a 1 million umbrella policy is simpler than most people think, but there are some important steps to follow to ensure you’re properly protected. Let me walk you through the process we use at Strange Insurance to help our clients secure this vital coverage.

Step-by-Step: Purchasing a 1 Million Umbrella Policy

Before you can add that umbrella to your insurance portfolio, you’ll need to make sure your foundation is solid. Most insurance companies require certain minimum liability limits on your existing policies.

Think of it this way: your umbrella doesn’t replace your primary insurance—it improves it. That’s why you’ll typically need auto liability limits of $250,000/$500,000 for bodily injury and $100,000 for property damage, plus homeowners liability of at least $300,000.

“Many clients are surprised to learn they need to increase their existing coverage before adding an umbrella,” says Christian Strange. “But this actually provides better overall protection and often costs less than you’d expect.”

When you’re ready to move forward, gather your current declarations pages (those summary sheets from your existing policies), along with information about your vehicles, drivers, and properties. Don’t forget to note any special features like pools or trampolines that might affect your risk profile.

At Strange Insurance Agency, we make getting quotes painless. As an independent agency powered by Goosehead Insurance, we can shop your policy with over 30 different carriers to find the perfect balance of coverage and affordability. We’ll help you compare not just prices but also coverage options, exclusions, and any specialized endorsements you might need.

Once you’ve selected the right policy, we’ll guide you through the application process and help you bind coverage—which usually takes effect immediately upon payment. The peace of mind you’ll feel knowing your assets are protected is truly priceless.

For a personalized quote, visit our Umbrella Insurance Policy Quote page to get started.

Maximizing Value Through Bundling & Updates

Your 1 million umbrella policy isn’t a “set it and forget it” purchase—it should evolve with your life. Here’s how to get the most value from your coverage:

Most insurance companies offer substantial discounts when you bundle your umbrella with your home and auto policies. Some carriers actually require bundling for umbrella eligibility. At Strange Insurance, we can help you find the right bundling strategy—or locate carriers that offer standalone umbrella policies if that’s a better fit for your situation.

Life changes quickly, and your insurance needs change with it. I always recommend scheduling annual reviews of your umbrella coverage, especially after major life events like getting married or divorced, retiring, buying a new home or car, adding teen drivers to your household, starting a home business, or installing recreational equipment.

“One client called me in a panic after her son was in a minor fender bender,” shares an insurance professional. “She had forgotten to add him to her umbrella policy when he got his license six months earlier. Fortunately, the claim was small, but it was a wake-up call to keep all policies in sync.”

Remember to maintain those required underlying liability limits, report all vehicles and properties to both your primary and umbrella insurers, and address any coverage gaps with appropriate endorsements. This coordination ensures you won’t have any nasty surprises when you need to file a claim.

Ready to explore your umbrella options? Check out our Personal Liability Umbrella Policy Quote page, or give us a call. At Strange Insurance, we’re committed to making sure you have the protection you need without paying for coverage you don’t.

Pros, Cons & Common Misconceptions

When it comes to protecting your financial future, a 1 million umbrella policy deserves serious consideration. But like any insurance decision, it’s important to weigh both sides of the equation.

Let’s talk about the advantages first – and there are plenty of them.

Perhaps the most compelling benefit is the remarkable value these policies offer. For roughly the cost of a monthly streaming subscription, you’re buying protection that could save you from financial devastation. Dollar for dollar, umbrella coverage gives you more protection per premium dollar than virtually any other insurance product.

“I was paying just $22 a month for my 1 million umbrella policy,” shares Virginia homeowner Melissa. “That’s less than what I spend on coffee each week, but it saved me over $600,000 when my teenager caused a serious car accident.”

Beyond the value proposition, umbrella policies provide truly comprehensive protection. They extend beyond the standard liability coverage of home and auto policies to include scenarios like libel, slander, and false arrest – situations that could otherwise leave you completely exposed.

The legal defense benefit alone is worth its weight in gold. Your umbrella carrier will pay for attorneys to defend you even if a lawsuit seems frivolous or groundless. In today’s legal environment, where defense costs can easily reach six figures, this protection is invaluable.

Perhaps most importantly, umbrella policies deliver genuine peace of mind. There’s something deeply reassuring about knowing you’ve protected your family’s financial security against life’s unexpected catastrophes.

Of course, no insurance product is perfect. There are some drawbacks to consider as well.

The most obvious is the additional cost. Though affordable for most families, adding another insurance premium to your budget is still an expense to consider. You’ll also need to maintain specific liability limits on your underlying home and auto policies, which might increase those premiums as well.

It’s also important to recognize that umbrella policies don’t cover everything. They typically exclude business activities, intentional acts, and injuries to yourself. Some critics also suggest that having high liability limits might make you a more attractive target for litigation – though having no protection at all is undoubtedly the greater risk.

“I initially hesitated to buy an umbrella policy because I worried it would make me a target,” explains North Carolina resident James. “But my agent helped me understand that without it, one accident could cost me my home, savings, and even future earnings.”

Let’s also clear up some common misconceptions about 1 million umbrella policies:

Many people believe umbrella policies are only for the wealthy. In reality, anyone with assets to protect or future earnings potential can benefit tremendously from this coverage. Even if you don’t consider yourself “rich,” a serious liability claim could target your savings, home equity, and future wages.

Another myth is that standard auto and home insurance provide sufficient liability protection. The truth? Standard policies typically max out at $500,000 in liability coverage—far below what you might need in a serious accident or major lawsuit.

Some people also believe they don’t need umbrella coverage because their retirement accounts are protected. While some retirement accounts do have legal protections under federal ERISA laws, the level of protection varies significantly by state and account type. According to Experian, IRAs and other non-ERISA accounts often have limited protection, and distributions from retirement accounts could still be garnished.

Finally, there’s a misconception that umbrella policies cover everything your other policies don’t. While they do provide broad coverage, they still have exclusions, particularly for business activities, intentional acts, and contractual liabilities.

As one Strange Insurance client who faced a major liability claim put it: “I used to think umbrella insurance was just an unnecessary expense. Now I consider it the most important policy I own. For $25 a month, it saved me from financial disaster.”

When you weigh everything, the advantages of a 1 million umbrella policy typically far outweigh the drawbacks for most homeowners and drivers. The protection-to-premium ratio simply makes too much sense to ignore.

Frequently Asked Questions about 1 Million Umbrella Policies

Does umbrella insurance replace raising my home/auto limits?

Not exactly – a 1 million umbrella policy works alongside your existing coverage rather than replacing it. Think of it as building a protection pyramid, where your primary policies form the foundation and your umbrella policy sits on top.

Most insurance companies actually require you to maintain certain minimum liability limits on your home and auto policies before they’ll even offer you umbrella coverage. Typically, you’ll need auto liability limits of $250,000/$500,000 for bodily injury and $100,000 for property damage, plus homeowners liability of at least $300,000.

What makes umbrella insurance special is that it not only extends your existing coverage but also fills gaps your standard policies don’t address. Those nasty lawsuits involving libel, slander, or false arrest? Your standard policies probably won’t help – but your umbrella will.

“I originally thought I should just max out my auto policy,” shares one Strange Insurance client. “But when I compared costs, I found that adding a $1 million umbrella was actually cheaper than raising my auto liability to its highest limits – plus I got much broader protection across all aspects of my life.”

Can I buy more than a 1 million umbrella policy later?

Absolutely! Your coverage can grow as your life does. Most of our clients at Strange Insurance find that circumstances change – perhaps you buy a vacation home, welcome a teenage driver to the family, or simply build more wealth that needs protection. When that happens, increasing your umbrella coverage is usually straightforward.

Insurance companies typically offer umbrella policies in neat $1 million increments, with options commonly ranging from $1 million to $5 million for personal coverage. The best part? Each additional million in protection typically costs less than the first million – usually just $50-$75 more annually per extra million in coverage.

One of our Virginia clients recently told us: “I started with a $1 million policy when my kids were young. As they approached driving age and we added a pool to our property, we bumped it to $3 million. It only cost about $10 more per month for each additional million – less than a streaming service subscription!”

We recommend reviewing your umbrella coverage annually or after major life events like buying property, adding drivers to your household, or experiencing significant income increases.

Will my retirement accounts be safe without an umbrella policy?

This is where things get a bit complicated – and why having proper liability protection matters so much for your financial future.

The protection of retirement accounts from liability judgments varies significantly depending on where you live and what type of accounts you have. Employer-sponsored retirement plans governed by ERISA laws (like most 401(k)s) generally have strong federal protection from creditors. However, IRAs and other personal retirement vehicles have varying levels of protection based on state law.

In Virginia and North Carolina specifically, state laws provide some protection for retirement accounts, but these protections have important limitations and exceptions. For example, once you withdraw funds from these protected accounts – perhaps to fund your retirement lifestyle – that money typically loses its special protection and becomes vulnerable to creditors and judgments.

A 1 million umbrella policy creates a crucial buffer zone that can prevent creditors from ever attempting to access your retirement savings in the first place. By covering liability judgments that exceed your primary insurance, your umbrella policy helps ensure the nest egg you’ve spent decades building remains intact and available for its intended purpose – supporting your retirement.

As one client who faced a substantial lawsuit told us: “My umbrella policy meant I never had to worry about whether my retirement accounts were legally protected or not – because the insurance covered the entire judgment before it ever came to that point.”

Conclusion

A 1 million umbrella policy is truly one of those hidden gems in the insurance world that too many people find only after they need it. For about the cost of a monthly streaming subscription—just $150 to $380 annually—you gain protection against the kind of financial storms that could otherwise wash away everything you’ve worked for.

Think about it: in a world where a simple accident can lead to a lawsuit with six or seven-figure damages, can you really afford to leave your financial future to chance? Medical costs continue to climb, jury awards regularly stretch into the millions, and the 15 million civil cases filed each year remind us that liability risks are everywhere.

At Strange Insurance Agency, we see the relief on our clients’ faces when they understand that their assets, savings, and future income have this powerful shield of protection. We take the time to understand your unique situation because we know your insurance needs are as personal as your family photos.

Our agency proudly serves Virginia and North Carolina with a concierge approach to insurance. Being powered by Goosehead Insurance gives us a distinct advantage—we can shop your coverage with more than 30 different insurance companies to find the perfect balance of protection and affordability.

Whether you live in Norfolk, Virginia Beach, Richmond, Raleigh, Charlotte, or anywhere across Virginia, North Carolina, West Virginia, or Florida, our team is ready to help you build a personalized protection strategy. We specialize in both personal and business insurance, ensuring that every aspect of your life has the coverage it deserves.

Don’t wait for disaster to strike before finding the value of umbrella coverage. I’ve seen too many families learn this lesson the hard way—when it’s already too late to protect what they’ve built. The best time to add umbrella coverage is always before you need it, because once an incident occurs, no amount of wishing can turn back time.

Give yourself the gift of peace of mind. Contact Strange Insurance Agency today to discuss how a 1 million umbrella policy can provide security and protection for you and your loved ones. Our team is ready to answer your questions and guide you through the process with the warmth and expertise you deserve.

For more information about our full range of personal insurance solutions, visit Strange Insurance Personal Insurance.

The umbrella you buy on a sunny day is the one that keeps you dry when the storm arrives.