Personal Umbrella Insurance

An Essential Layer of Protection for Your Assets and Future

While your standard auto, home, or marine policies provide a strong foundation, they all have a "ceiling"—a maximum dollar amount they will pay out for a claim. In today’s litigious world, a single serious accident or a significant injury on your property can easily exceed those limits. At Tedmus Insurance Services, we provide Personal Umbrella Insurance to act as a fail-safe, providing an extra layer of liability protection that picks up exactly where your primary policies leave off.


Why Standard Coverage Often Isn't Enough

Most people don't realize that if you are found at fault for an accident and the damages exceed your policy limits, you are personally responsible for the balance. This can lead to a devastating financial "ripple effect" where your personal assets—including your home, savings, and even your future wages—are placed at risk. An umbrella policy provides broad coverage for:

  • Serious Bodily Injury: Paying for medical bills, long-term rehabilitation, and "pain and suffering" when your primary auto or home limits are exhausted.
  • Major Property Damage: Protection if you are liable for a high-value collision or damage to expensive structures.
  • Lawsuit & Legal Fees: Covering the cost of a legal defense, which can be astronomical regardless of whether you are ultimately found at fault.
  • Liability Beyond the Road: Protection that extends to your boat, ATV, RV, and even incidents occurring while you are traveling.


Securing Your Legacy with Expert Guidance

At Tedmus Insurance Services in Higley, Arizona, we believe that peace of mind comes from knowing your lifestyle is secure. A personal umbrella policy is one of the most cost-effective ways to buy massive amounts of protection—often providing millions of dollars in extra coverage for a relatively low annual premium.


As an independent agency, we evaluate your total risk profile to ensure your umbrella policy is seamlessly integrated with your existing coverage. We invite you to speak with our local agents to find a plan that shields your home, your property, and your family's future income from the unexpected.


Don't let one accident wash away a lifetime of hard work. Add the ultimate layer of protection with a personal umbrella policy.