“When a Kansas City Family Should Add an Umbrella Policy”

Kansas City life is full of backyard barbecues, Chiefs games, and family fun — but also, a few hidden risks. One accident, injury, or lawsuit could wipe out your savings faster than a summer storm rolls through. That’s why an umbrella policy can be one of the smartest moves a family makes in 2025.

What Is an Umbrella Policy?

It’s extra liability protection that kicks in when your home or auto insurance limits run out.If someone gets hurt at your house, your teen causes a major car accident, or your dog nips the neighbor — and the damages exceed your base policy — your umbrella coverage steps in to pay the rest.

Simply put, it protects your family’s finances from life’s “what ifs.”

When Should You Get One?

🏡 You Own a Home (Especially with a Pool or Trampoline) More guests = more risk. If someone gets hurt on your property, you’re liable.

🚗 You Have Teen Drivers Teen drivers are more accident-prone, and claims can easily exceed standard auto limits.

🐕 You Own Pets Even friendly dogs can cause costly injury claims.

💼 You Have Assets to Protect If you own a home, investments, or a rental property, you could be sued for more than your current coverage allows.

🎯 You Volunteer or Coach Good deeds sometimes come with liability exposure — umbrella coverage helps cover that.

How Much Does It Cost?

Not much! Most families can get $1 million in coverage for around $300–$900 per year.

Why 2025 Is the Time to Add It

With rising medical bills, legal fees, and settlement costs, today’s liability limits don’t stretch as far as they used to. Adding an umbrella policy ensures your protection keeps pace with life’s growth — more drivers, new homes, or bigger gatherings in that Kansas City backyard.