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Umbrella Insurance

Farmers Umbrella Policy

Extend your coverage for life’s perfect storm.


Umbrella Insurance from the Norm Foster Agency in Lakeville MN

In the event of a large liability loss, would you want the maximum coverage or are you willing to assume some risk?

Stop for a moment to reflect on everything you’ve worked hard for in your life—your home, your car, your family’s security. You may even have a recreational vehicle or a boat for family getaways. And, if you’re reading this, you probably have adequate Auto, Home and Life insurance coverage.

So chances are, you’ll never have to worry about exposure to large liability losses. But what if…?

In today’s society, no one is exempt from large liability losses. Let’s face it: people are growing more willing to sue every day. The bottom line is: It can happen to you. If it does, Farmers can help you get back where you belong.

Even if you don’t maintain all of your current liability insurance with Farmers, we have a coverage that’s perfect for you. You must maintain Automobile Liability coverage with Farmers to be eligible for the Farmers Personal Umbrella Policy.

Supplement Your Existing Coverage

The parents of a teenager gave him a car for his 17th birthday. The parents had an Auto policy with a $500,000 per claim liability limit. One day, the teenage driver crossed over a median and collided head-on with another vehicle. Two passengers in the other car were killed, and a third was seriously injured. The 17-year-old driver was found negligent and ordered to pay $1.5 million to settle the injury claims. Fortunately, the parents carried an Umbrella. The auto policy paid $500,000, and the Umbrella paid the remaining $1 million.

With a Personal Umbrella policy, you have additional coverage once the limits under your primary policy are used up.  Your assets as well as your future earnings are covered.

The Farmers Personal Umbrella

Added features
Besides providing increased liability limits, a Personal Umbrella policy gives you these additional benefits:

  • You are covered against claims that may not be covered by your underlying policies for Homeowner’s, Auto liability and Watercraft liability, such as libel, slander or defamation of character.
  • You are covered anywhere in the world.
  • You are covered for defense costs and attorney fees associated with claims against you that are covered by your Personal Umbrella policy, but not by your primary policies. These expenses are paid in addition to your policy limit.


The question is, are you prepared?



A driver hit a 4-year-old girl who darted out between cars, rendering her paraplegic.
Jury Verdict: $800,000

A driver hit a garbage truck, and a garbageman riding on the back of the truck is injured while jumping off. Garbageman is not hit.
Jury Verdict: $1,274,000

At a homeowners property, a railing on the balcony gave way and a guest fell to ground below.
Jury Verdict: $880,000

An uninsured motorist failed to stop at a crosswalk and struck a pedestrian, rendering him quadriplegic.
Jury Verdict: $930,415

A 5-year-old boy visiting his friend’s house was knocked down and bitten by a neighbor’s golden retriever.
Jury Verdict: $475,000

Can You Afford to be Without It?

The cost for this high level of coverage is amazingly low. I can give you all the details on how the Farmers Personal Umbrella policy can protect you and your family against catastrophic liability judgements.

Chances are …you’ll never be sued for more than the limits of your Automobile, Homeowners, Recreational Vehicle or Boat Liability policies.

Chances are…you’ll never be accused of defamation of character, invasion of privacy, libel, slander or other charges against which you may now lack coverage.

But what if you are? The Farmers Personal Umbrella policy can help provide you with the liability coverage you may need. Contact me for a free Farmers Friendly Review.” I have all the details on how the Farmers Personal Umbrella policy can give you and your family extra peace of mind.

Contact Norm Today for a free consultation or quote.

Street view of the Norm Foster Insurance Agency in Lakeville, MN - Auto, Home, Life, Renters, Umbrella Insurance


Norm Foster Insurance
Norm Foster, LUTCF • Agent
16372 Kenrick Ave, Suite 130
Lakeville, MN 55044
Phone: (952) 929-8922
Fax: (952) 223-2233