Umbrella Insurance
Extra Protection When Life Gets Complicated
At Dostal & Kirk, our umbrella insurance solutions are designed to provide an added layer of financial protection when your standard policies hit their limits. The unexpected can come up, such as a serious accident, unexpected lawsuit, or large liability claim, and umbrella coverage protects your assets and your future.
We go beyond the basics to make sure your personal risk is managed with care, clarity, and smart strategy.
Umbrella Insurance Provides Additional Protection
Umbrella insurance kicks in when the liability limits on your auto, home, or other policies are exhausted. It’s designed to protect your savings, income, and valuable assets from unexpected events that could otherwise be financially devastating.
Common scenarios include:
- A major auto accident where medical and legal bills exceed your auto policy limit
- A guest injury on your property that leads to a costly lawsuit
- Accidental damage caused by your teen driver or pet
- Personal slander or libel lawsuits stemming from social media or public statements
When to Consider Umbrella Insurance
You should think about umbrella insurance if you:
- Own a home, rental property, or vacation home
- Have significant assets or savings
- Host guests regularly
- Drive often or have teen drivers
- Own dogs or recreational vehicles
- Are active on social media or in your community
Umbrella coverage is an affordable way to safeguard what matters most—especially when life takes an unexpected turn.
Our Relationship-Driven Approach
We prioritize long-term relationships over transactions. We’re not here to push a policy. Instead, we’re here to help you understand your coverage, reduce your risk, and protect your lifestyle. That’s why many of our clients have been with us for years (and even generations).
Our internal culture is built on trust, teamwork, and authenticity. We bring that same mindset to our client partnerships. When needed, we work hand-in-hand with your attorney, CPA, or financial advisor to create seamless protection across your full financial life.
Let's Make Sure You're Covered
Umbrella insurance isn’t just about adding more; it’s about making sure the pieces work together. Let Dostal & Kirk help you build a smarter, safer coverage plan that protects what matters most.
Get in touch today to schedule your personalized insurance review.