What is a Personal Umbrella Policy?


A Personal Umbrella Policy is pretty much what it sounds like, an umbrella over and above your existing insurance policies. It acts as an extension of coverage for your homeowners, auto, motorcycle, renters, and condominium policies. A Personal Umbrella Policy (PUP) provides protection against devastating claims and judgements.

Why the Need for Extra Protection

Although you already have insurance for your home, auto, condominium, or etc.., it may not be enough in some instances. For example, you may have coverage up to $250,000 on your personal auto policy but say you are sued for $1 million dollars. How will you come up with the other $750,000?  Consider the following examples where a PUP may be necessary:

  • You have a backyard BBQ this summer and a guest leaves the party intoxicated. On the way home that person is involved in a car accident, injuring himself and others.
  • Someone falls down the steps at your home and sues you, costing you all of your retirement funds, savings, etc.
  • You are on a family vacation at the lake and decide to rent a jet ski. You hit someone that was swimming in the water causing severe bodily injury.

Policy Options

An umbrella policy is rather inexpensive and is written in million dollar increments. Policy limits are largely based on income and any additional assets that someone may have. You can speak with an agent as to what would fit your personal needs and circumstances.

Is a Personal Umbrella Policy Right for You?

Having a Personal Umbrella Policy protects your home, retirement, bank account(s), investments, and much more. It is your personal decision as to whether you want to purchase the extra coverage. As an independent insurance agent, Barrick Insurance can explain available options and answer any questions that you may have. If you already have a Personal Umbrella Policy you should make sure that it is up to date. Feel free to give our office a call at (717) 632-7270.

What is a Personal Umbrella Policy?

The Need for ATV and Motorcycle Insurance

KTMSpring is the perfect time of year to get your motorcycle out. It can be a blast riding trails on a dirt bike or ATV. Although it is a fun sport, it can also be dangerous if you are not careful.

The Need for Motorcycle Insurance

Many people do not realize that they can get insurance on their dirt bike or ATV. If it is not driven on the main road they may wonder why they would need insurance. Here are some factors to think about:

  • There is a high theft rate of four-wheelers and dirt bikes
  • Your homeowner’s policy may not cover accidents away from home.
  • Public or State parks may require ATV insurance


Coverage for your four-wheeler or dirt bike is similar to an auto insurance policy. The following coverages are important to consider:

Just as Important as Your Protective Gear

 Just like your riding helmet and boots, insurance can be a major safeguard. Ride with the peace of mind that you are protected. Call Barrick Insurance today for a free quote (717) 632- 7270.

The Need for ATV and Motorcycle Insurance