Personal Umbrella Insurance and Liability Protection

With personal umbrella liability insurance, you can be ready for anything and everything. While it may be one of the most overlooked policies, it is actually one of the most important.

Umbrella insurance offers protection in the event of a catastrophic event, such as a major auto accident. If you are sued for damages beyond the scope of your current auto insurance policy, personal umbrella insurance will protect your current assets, as well as your future assets.

Additional Protection

Think of your umbrella liability policy as additional protection. If ever the damages from an event, such as someone getting harmed on your property, exceed the liability coverage of your standard policies, this personal liability protection offers extra security.

Situations that may not be included in your basic insurance are covered by your umbrella policy. It can be applied to situations like car or boat accidents, ATV accidents, injuries on the golf course, accidental injuries on your property (such as dog bites or slips and falls) as well as your legal costs. If you are a landlord, this insurance can help protect you if there is an accident on one of your rental properties, or if there is a fire in one of your units.


An umbrella policy allows you an added sense of security. It provides you with an extra level of protection. You get peace of mind knowing your family, and your assets, are protected.

An umbrella policy provides an additional layer of liability protection to all of your current policies. When the limits of your home or auto policy is exhausted, your umbrella policy provides added protection.

And the costs for these policies are minimal compared to the security and comfort you will feel knowing you are covered. These policies cover not only you but your family as well.

Pick the Right Coverage for You

Everyone is unique; find the right coverage for you by talking to Schaller & Thomas Family Insurance. Find out how to protect your family and your future.

Should You Get Life Insurance for a Child?

No one wants to think about their child dying. As such, it can be difficult to think about purchasing life insurance for your child. However, this may be a dilemma you are facing. Here are two factors you need to consider when deciding whether or not you should purchase life insurance for your child or children.

Paying for the Funeral

Losing a child can be devastating. The last thing you will want to worry about should it happen to you is how you are going to afford to bury your child. If you are well off and can afford to pay for a funeral out-of-pocket, this may not be something for you to consider. However, if you live paycheck to paycheck, and couldn’t afford a funeral, buying the insurance gives you peace of mind your child will be buried how you see fit.

Future Medical Issues

Another factor to keep in mind when deciding whether to buy life insurance for a child is future medical issues. You don’t know if your child will have any issues down the road, and these issues can cause their premiums to be sky high or can prevent them from getting insurance as an adult. If you buy life insurance for a child, that policy can typically be extended into adulthood, even if they have medical issues, helping to ensure your child will always have life insurance, no matter what unexpected medical problems may arise.

If you are considering getting life insurance for your child in Phoenix, Arizona, be sure to contact Schaller & Thomas Family Insurance. We would love to help you make an educated and informed decision as to whether this is something you should do for your child or not.