--- title: Personal Umbrella Insurance | R&R Insurance description: Personal umbrella liability provides individuals and families with higher limits of liability protection. Contact R&R Insurance for coverage. --- [![RR Insurance White w no Background400pxSmall](https://www.myknowledgebroker.com/hs-fs/hubfs/RR%20Insurance%20White%20w%20no%20Background400pxSmall.png?width=400&height=295&name=RR%20Insurance%20White%20w%20no%20Background400pxSmall.png "RR Insurance White w no Background400pxSmall")](https://www.myknowledgebroker.com) - - [800.566.7007](https://www.myknowledgebroker.com/tel:+18005667007) - [Careers](https://www.myknowledgebroker.com/about-us/careers) - [Contact Us](https://www.myknowledgebroker.com/about-us/contact-us) - [Request a Quote](https://www.myknowledgebroker.com/contact-us/general-quote-inquiry) [Menu **](https://www.myknowledgebroker.com/personal-insurance/personal-umbrella#main-nav) - [Home](https://www.myknowledgebroker.com) - [Business Insurance](https://www.myknowledgebroker.com/business-insurance) - [Property & Casualty](https://www.myknowledgebroker.com/business-insurance/property-casualty) - [Workers Compensation](https://www.myknowledgebroker.com/business-insurance/workers-compensation) - [General Liability](https://www.myknowledgebroker.com/business-insurance/general-liability) - [Professional Services](https://www.myknowledgebroker.com/business-insurance/professional-services) - [Captives](https://www.myknowledgebroker.com/business-insurance/captives) - [Mergers & Acquisitions](https://www.myknowledgebroker.com/business-insurance/mergers-acquisitions) - [Executive Risk](https://www.myknowledgebroker.com/business-insurance/executive-risk) - [Umbrella Liability](https://www.myknowledgebroker.com/business-insurance/umbrella-liability-insurance) - [Bonds](https://www.myknowledgebroker.com/bonds) - [Cyber Liability](https://www.myknowledgebroker.com/business-insurance/cyber-liability) - [Building Ordinance](https://www.myknowledgebroker.com/business-insurance/building-ordinance-coverage) - [Employee Dishonesty](https://www.myknowledgebroker.com/business-insurance/employee-dishonesty) - [Equipment Breakdown](https://www.myknowledgebroker.com/business-insurance/equipment-breakdown-coverage) - [Business Succession](https://www.myknowledgebroker.com/business-insurance/business-succession) - [Risk Management](https://www.myknowledgebroker.com/business-insurance/risk-management) - [International Capabilities](https://www.myknowledgebroker.com/business-insurance/international-capabilities) - [Industries](https://www.myknowledgebroker.com/business-insurance/industries) - [Agriculture & Agribusiness](https://www.myknowledgebroker.com/business-insurance/industries/agribusiness) - [Arts, Entertainment, & Recreation](https://www.myknowledgebroker.com/business-insurance/industries/arts-entertainment-recreation) - [Auto and Franchise Dealers](https://www.myknowledgebroker.com/auto-and-franchise-dealers) - [Camps and Retreats](https://www.myknowledgebroker.com/camp-insurance) - [Child Care](https://www.myknowledgebroker.com/child-care) - [Construction](https://www.myknowledgebroker.com/business-insurance/industries/construction) - [Dental Practice](https://www.myknowledgebroker.com/dentists) - [Financial and Professional Services](https://www.myknowledgebroker.com/business-insurance/industries/financial-and-professional-services) - [Fitness](https://www.myknowledgebroker.com/fitness) - [Food & Beverage](https://www.myknowledgebroker.com/business-insurance/industries/food-and-beverage) - [Gas & Oil Distribution](https://www.myknowledgebroker.com/business-insurance/industries/petroleum-distribution) - [Healthcare & Social Services](https://www.myknowledgebroker.com/business-insurance/industries/health-care) - [Hospitality, Media and Entertainment](https://www.myknowledgebroker.com/business-insurance/industries/hospitality-media-and-entertainment) - [Lumber / Wood Products](https://www.myknowledgebroker.com/business-insurance/industries/lumber-wood-products) - [Manufacturing and Industrial Services](https://www.myknowledgebroker.com/business-insurance/industries/manufacturing-and-industrial-services) - [Public and Private Education](https://www.myknowledgebroker.com/business-insurance/industries/schools) - [Public Entity / Municipalities](https://www.myknowledgebroker.com/business-insurance/industries/municipalities) - [Real Estate](https://www.myknowledgebroker.com/business-insurance/industries/real-estate) - [Retail](https://www.myknowledgebroker.com/business-insurance/industries/retail-insurance) - [Small Business](https://www.myknowledgebroker.com/business-insurance/industries/small-business) - [Technology & Cyber Security](https://www.myknowledgebroker.com/business-insurance/industries/technology) - [Temporary Staffing](https://www.myknowledgebroker.com/business-insurance/industries/temporary-staffing) - [Tree Care & Arborists](https://www.myknowledgebroker.com/tree-care) - [Trucking, Transportation, & Warehousing](https://www.myknowledgebroker.com/business-insurance/industries/trucking-and-transportation) - [Veterinarian & Animal Care](https://www.myknowledgebroker.com/vet-and-animal-care) - [Benefits](https://www.myknowledgebroker.com/benefits) - [Affordable Care Act](https://www.myknowledgebroker.com/benefits/affordable-care-act) - [Wellness](https://www.myknowledgebroker.com/health-insurance/wellness) - [WellCompForLife](https://www.myknowledgebroker.com/benefits/wellcompforlife) - [Voluntary Benefits](https://www.myknowledgebroker.com/health-insurance/voluntary-benefits) - [Self Funded Health Insurance](https://www.myknowledgebroker.com/health-insurance/self-funded-health-insurance) - [HRAs and HSAs](https://www.myknowledgebroker.com/health-insurance/hras-and-hsas) - [Health Insurance Resources](https://www.myknowledgebroker.com/health-insurance/health-insurance-resources) - [Health Care Webinars](https://www.myknowledgebroker.com/health-care-webinars) - [Financial Services](https://www.myknowledgebroker.com/financial-services) - [Life Insurance](https://www.myknowledgebroker.com/financial-services/life-insurance) - [Buy-Sell Agreements](https://www.myknowledgebroker.com/financial-services/buy-sell-agreements) - [Business Continuation](https://www.myknowledgebroker.com/financial-services/business-continuation) - [Long Term Care Insurance](https://www.myknowledgebroker.com/financial-services/long-term-care-insurance) - [Mortgage Protection](https://www.myknowledgebroker.com/financial-services/mortgage-protection) - [Bonds](https://www.myknowledgebroker.com/bonds) - [Contract Bonds](https://www.myknowledgebroker.com/bonds/contract-bonds) - [Commercial Bonds](https://www.myknowledgebroker.com/bonds/commerical-bonds) - [Court Bonds](https://www.myknowledgebroker.com/bonds/court-bonds) - [Auto Dealers Bond Service](https://www.myknowledgebroker.com/bonds/auto-dealers-bond-service) - [Bonding Videos](https://www.myknowledgebroker.com/bonds/bonding-videos) - [Sheriff Indemnity Bonds](https://www.myknowledgebroker.com/bonds/sheriff-indemnity-bonds) - [Errors & Omissions Policy Only - Individual](https://www.myknowledgebroker.com/bonds/errors-and-omissions-policy-only-individual) - [ERISA, Pensions & Welfare Bond](https://www.myknowledgebroker.com/bonds/erisa-pension-and-welfare-bond) - [Business Service Bonds](https://www.myknowledgebroker.com/bonds/business-service-bonds) - [Personal Insurance](https://www.myknowledgebroker.com/personal-insurance) - [Get a Home/Auto Quote](https://www.myknowledgebroker.com/personal-insurance/get-a-home/auto-quote) - [Private Client Division](https://www.myknowledgebroker.com/wealth) - [Auto Insurance](https://www.myknowledgebroker.com/personal-insurance/auto-insurance) - [Home Insurance](https://www.myknowledgebroker.com/personal-insurance/home-insurance) - [Personal Umbrella](https://www.myknowledgebroker.com/personal-insurance/personal-umbrella) - [Identity Theft](https://www.myknowledgebroker.com/personal-insurance/identity-theft) - [Employer Discounts](https://www.myknowledgebroker.com/personal-insurance/employer-discounts) - [Flood Insurance](https://www.myknowledgebroker.com/personal-insurance/flood-insurance) - [Customer Testimonials and Videos](https://www.myknowledgebroker.com/personal-insurance/personal-line-customers-testimonials-and-videos) - [Medicare](https://www.myknowledgebroker.com/personal-insurance/medicare) - [Medicare](https://www.myknowledgebroker.com/personal-insurance/medicare) - [Resources](https://www.myknowledgebroker.com/resources) - [Webinars](https://www.myknowledgebroker.com/webinars) - [Downloads](https://www.myknowledgebroker.com/downloads) - [Risk Management Center](https://www.myknowledgebroker.com/rmc) - [Training](https://www.myknowledgebroker.com/resource-center/training) - [Rapport with Medical Professionals](https://www.myknowledgebroker.com/resource-center/rapport-with-medical-professionals) - [Professional Services](https://www.myknowledgebroker.com/business-insurance/professional-services) - [Client Portal](https://www.myknowledgebroker.com/client-portal) - [About Us](https://www.myknowledgebroker.com/about-us) - [Blog](https://www.myknowledgebroker.com/blog) - [News](https://www.myknowledgebroker.com/about-us/news) - [Philosophy](https://www.myknowledgebroker.com/about-us/philosophy) - [Community Support](https://www.myknowledgebroker.com/about-us/community-support) - [Office Locations](https://www.myknowledgebroker.com/about-us/office-locations) - [Contact Us](https://www.myknowledgebroker.com/about-us/contact-us) - [Write a Review](https://www.myknowledgebroker.com/write-a-review) - [Make a Payment](https://www.myknowledgebroker.com/make-a-payment) - [TV Commercials](https://www.myknowledgebroker.com/about-us/tv-commercials) - [Privacy Statement](https://www.myknowledgebroker.com/about-us/privacy-statement) - [Careers](https://www.myknowledgebroker.com/about-us/careers) - [Career Opportunities](https://recruiting2.ultipro.com/RRI1001RRIS/JobBoard/073030a9-8091-4aee-bef3-364b5a88b8c5/?q=&o=postedDateDesc) - [Benefits](https://www.myknowledgebroker.com/about-us/careers/benefits) - [Blog](https://www.myknowledgebroker.com/blog) - [Recent News](https://www.myknowledgebroker.com/about-us/news) - [Employee Directory](https://www.myknowledgebroker.com/employee-directory) [800.566.7007](tel:+18005667007)[Careers](https://www.myknowledgebroker.com/about-us/careers)[Contact Us](https://www.myknowledgebroker.com/contact-us) # Personal Umbrella Liability claims often exceed the basic limits afforded by an average home or auto policy. These claims are covered by a personal umbrella liability policy. Personal umbrella liability insurance provides individuals and families with higher limits of liability protection that is excess over any personal automobile, and other liability insurance. Just think of it as an extra layer of coverage, like an umbrella over everything. Personal umbrella coverage is designed to cover claims that arise out of the activities of a personal or family nature; these types of policies do not cover professional or business activities. Personal umbrella policies are intended for catastrophe-type claims. Not all policies are exactly alike, but in general, the purpose of a personal umbrella policy is not only to provide million dollar excess limits, but to broaden basic liability protection. To adequately protect the insured a personal umbrella policy will provide an additional amount of liability above the limits on the auto and home policy, but it will also provide coverage for some exposures that are not already covered on the insured’s underlying policy, and it will provide coverage for damages caused by slander, libel, defamation, detention, confinement, humiliation, invasion of privacy, wrongful entry and related allegations. Personal umbrella liability is written with a minimum limit of liability of $1 Million, with higher limits available. The personal umbrella liability policy pays on behalf of the insured person the amount of damages for an occurrence (the accident) that results in the insured person’s obligation to pay for personal injury, or property damages. If there is a covered liability claim under your auto or homeowners policy and the dollar amount of the judgment is greater than the coverage limits you have purchased on those policies, the umbrella provides the additional limits of coverage. **Is the policy expensive?** ### How does it work? Scenario #1: You, or a family member living with you, are the cause of an auto accident resulting in serious injury to the driver in another vehicle and his young passenger. Both the driver and passenger have injuries. You are sued, determined to be at fault, and the judgment is almost $900,000. Your auto policy provides coverage in the amount of $500,000. If you had a personal umbrella liability policy it would pay the remaining $400,000. If you did not have a personal umbrella liability policy the $400,000 would come out of your pocket. And what if you did not have $400,000 available? Your assets would no doubt be used to pay the judgment. Scenario #2: You have friends over for a backyard party. Their 16 year old son, while diving into your pool, breaks his neck and is paralyzed. The judgment in the lawsuit is $1 million. Your homeowner’s policy provides $500,000 for liability and responds promptly by paying out the entire $500,000 liability amount. Again, if you have a personal umbrella liability policy it would pay the additional $500,000. If you don’t, you will be paying it out of your pocket! And if you don’t have $500, 0000 your assets would be most likely used. Scenario #3: You have a large yard and you use your ATV on your own property. One summer day your 35 year old neighbor hops on the back for a ride. He either falls off or jumps off hitting his head on a rock and suffers head injury. He never fully recovers. He is married with two young children and three years later he still isn’t able to return to his job and may never work again due to serious brain damage. The judgment is for $1 million. The policy covering your ATV has a liability limit of $300,000, leaving you with a $700,000 out of pocket amount to pay. If you have an umbrella policy it would pay the additional $700,000. The answer is** YES**, you probably do need an umbrella policy. For most people $150 to $200 a year or $12 to $15 a month is worth their peace-of-mind. ### What exactly are your assets? - Home and Personal Property - Automobiles, Recreational Vehicles, Boats, etc. - 401k, College Savings, and Future Earnings ### What is worldwide coverage? A Personal Umbrella Liability policy has coverage for things that happen anywhere in the world. Some policies, such as an auto policy, have a territorial limit. ### What is the defense coverage? The policy pays for the cost to defend any claim or suit for damages because of personal injury, or property damage arising out of the occurrence which is covered by the policy. Fortunately, catastrophic events happen to very few people. That is why the cost of this type of coverage is very affordable. The average cost is about $150 to $200 a year. The pricing is based on the number of exposures you have (exposures are the number of vehicles you own, the number of homes you own, if you have boats, recreational vehicles, youthful drivers, etc). - [Home](https://www.myknowledgebroker.com) - [Business Insurance](https://www.myknowledgebroker.com/business-insurance) - [Property & Casualty](https://www.myknowledgebroker.com/business-insurance/property-casualty) - [Workers Compensation](https://www.myknowledgebroker.com/business-insurance/workers-compensation) - [ModMaster](https://www.myknowledgebroker.com/business-insurance/workers-compensation/modmaster) - [Return-to-Work](https://www.myknowledgebroker.com/business-insurance/workers-compensation/return-to-work) - [Workers Compensation Testimonials](https://www.myknowledgebroker.com/business-insurance/workers-compensation/workers-compensation-testimonials) - [Money Saved Through Experience MOD Management](https://www.myknowledgebroker.com/business-insurance/workers-compensation/money-saved-through-experience-mod-management) - [General Liability](https://www.myknowledgebroker.com/business-insurance/general-liability) - [Professional Services](https://www.myknowledgebroker.com/business-insurance/professional-services) - [Captives](https://www.myknowledgebroker.com/business-insurance/captives) - [Mergers & Acquisitions](https://www.myknowledgebroker.com/business-insurance/mergers-acquisitions) - [Executive Risk](https://www.myknowledgebroker.com/business-insurance/executive-risk) - [Directors & Officers Liability](https://www.myknowledgebroker.com/business-insurance/executive-risk/directors-officers-liability) - [Professional Liability](https://www.myknowledgebroker.com/business-insurance/executive-risk/professional-liability) - [Employment Practices Liability](https://www.myknowledgebroker.com/business-insurance/executive-risk/employment-practices-liability-insurance-epli) - [Fiduciary Liability](https://www.myknowledgebroker.com/business-insurance/executive-risk/fiduciary-liability) - [Umbrella Liability](https://www.myknowledgebroker.com/business-insurance/umbrella-liability-insurance) - [Bonds](https://www.myknowledgebroker.com/bonds) - [Cyber Liability](https://www.myknowledgebroker.com/business-insurance/cyber-liability) - [Building Ordinance](https://www.myknowledgebroker.com/business-insurance/building-ordinance-coverage) - [Employee Dishonesty](https://www.myknowledgebroker.com/business-insurance/employee-dishonesty) - [Equipment Breakdown](https://www.myknowledgebroker.com/business-insurance/equipment-breakdown-coverage) - [Business Succession](https://www.myknowledgebroker.com/business-insurance/business-succession) - [Risk Management](https://www.myknowledgebroker.com/business-insurance/risk-management) - [Claims Management](https://www.myknowledgebroker.com/business-insurance/risk-management/claims-management) - [Loss Control](https://www.myknowledgebroker.com/business-insurance/risk-management/loss-control) - [International Capabilities](https://www.myknowledgebroker.com/business-insurance/international-capabilities) - [Industries](https://www.myknowledgebroker.com/business-insurance/industries) - [Agriculture & Agribusiness](https://www.myknowledgebroker.com/business-insurance/industries/agribusiness) - [Arts, Entertainment, & Recreation](https://www.myknowledgebroker.com/business-insurance/industries/arts-entertainment-recreation) - [Auto and Franchise Dealers](https://www.myknowledgebroker.com/auto-and-franchise-dealers) - [Camps and Retreats](https://www.myknowledgebroker.com/camp-insurance) - [Child Care](https://www.myknowledgebroker.com/child-care) - [Construction](https://www.myknowledgebroker.com/business-insurance/industries/construction) - [Testimonials](https://www.myknowledgebroker.com/business-insurance/industries/construction/testimonials) - [Risk Transfer](https://www.myknowledgebroker.com/business-insurance/industries/construction/risk-transfer) - [Dental Practice](https://www.myknowledgebroker.com/dentists) - [Financial and Professional Services](https://www.myknowledgebroker.com/business-insurance/industries/financial-and-professional-services) - [Fitness](https://www.myknowledgebroker.com/fitness) - [Food & Beverage](https://www.myknowledgebroker.com/business-insurance/industries/food-and-beverage) - [Gas & Oil Distribution](https://www.myknowledgebroker.com/business-insurance/industries/petroleum-distribution) - [Healthcare & Social Services](https://www.myknowledgebroker.com/business-insurance/industries/health-care) - [Hospitality, Media and Entertainment](https://www.myknowledgebroker.com/business-insurance/industries/hospitality-media-and-entertainment) - [Lumber / Wood Products](https://www.myknowledgebroker.com/business-insurance/industries/lumber-wood-products) - [Manufacturing and Industrial Services](https://www.myknowledgebroker.com/business-insurance/industries/manufacturing-and-industrial-services) - [Manufacturing Testimonials](https://www.myknowledgebroker.com/business-insurance/industries/manufacturing-and-industrial-services/testimonials) - [Public and Private Education](https://www.myknowledgebroker.com/business-insurance/industries/schools) - [Public Entity / Municipalities](https://www.myknowledgebroker.com/business-insurance/industries/municipalities) - [Real Estate](https://www.myknowledgebroker.com/business-insurance/industries/real-estate) - [Retail](https://www.myknowledgebroker.com/business-insurance/industries/retail-insurance) - [Small Business](https://www.myknowledgebroker.com/business-insurance/industries/small-business) - [Technology & Cyber Security](https://www.myknowledgebroker.com/business-insurance/industries/technology) - [Temporary Staffing](https://www.myknowledgebroker.com/business-insurance/industries/temporary-staffing) - [Tree Care & Arborists](https://www.myknowledgebroker.com/tree-care) - [Trucking, Transportation, & Warehousing](https://www.myknowledgebroker.com/business-insurance/industries/trucking-and-transportation) - [Sales and Support](https://www.myknowledgebroker.com/business-insurance/industries/trucking-and-transportation/sales-and-support) - [Coverages](https://www.myknowledgebroker.com/business-insurance/industries/trucking-and-transportation/coverages) - [Links for the Transportation Industry](https://www.myknowledgebroker.com/business-insurance/industries/trucking-and-transportation/links-for-the-transportation-industry) - [Russ Darrow Owner Operator Program](https://www.myknowledgebroker.com/russdarrow) - [Veterinarian & Animal Care](https://www.myknowledgebroker.com/vet-and-animal-care) - [Benefits](https://www.myknowledgebroker.com/benefits) - [Affordable Care Act](https://www.myknowledgebroker.com/benefits/affordable-care-act) - [Affordable Care Act Resources](https://www.myknowledgebroker.com/benefits/affordable-care-act/affordable-care-act-resources) - [Affordable Care Act Timeline](https://www.myknowledgebroker.com/benefits/affordable-care-act/affordable-care-act-timeline) - [Wellness](https://www.myknowledgebroker.com/health-insurance/wellness) - [WellCompForLife](https://www.myknowledgebroker.com/benefits/wellcompforlife) - [Voluntary Benefits](https://www.myknowledgebroker.com/health-insurance/voluntary-benefits) - [Group Dental Insurance](https://www.myknowledgebroker.com/voluntary-group-dental-insurance) - [Group Vision Insurance](https://www.myknowledgebroker.com/voluntary-group-vision-insurance) - [Group Life Insurance](https://www.myknowledgebroker.com/voluntary-group-life-insurance) - [Group Disability Insurance](https://www.myknowledgebroker.com/voluntary-group-disability-insurance) - [Group Accident Insurance](https://www.myknowledgebroker.com/voluntary-group-accident-insurance) - [Group Critical Illness Insurance](https://www.myknowledgebroker.com/voluntary-group-critical-illness-insurance) - [Group Long Term Care Insurance](https://www.myknowledgebroker.com/voluntary-group-long-term-care-insurance) - [Group Home and Auto Insurance](https://www.myknowledgebroker.com/health-insurance/group-home-and-auto-insurance) - [Self Funded Health Insurance](https://www.myknowledgebroker.com/health-insurance/self-funded-health-insurance) - [Advantages of Self Funding Health Insurance](https://www.myknowledgebroker.com/health-insurance/self-funded-health-insurance/advantages-) - [Self Funded Health Plan Example](https://www.myknowledgebroker.com/health-insurance/self-funded-health-insurance/self-funded-health-plan-example) - [Expectations of Third Party Administrators](https://www.myknowledgebroker.com/health-insurance/self-funded-health-insurance/expectations-of-third-party-administrators) - [HRAs and HSAs](https://www.myknowledgebroker.com/health-insurance/hras-and-hsas) - [Health Insurance Resources](https://www.myknowledgebroker.com/health-insurance/health-insurance-resources) - [MyWaveHR](https://www.myknowledgebroker.com/health-insurance/mywavehr) - [Health Care Webinars](https://www.myknowledgebroker.com/health-care-webinars) - [Financial Services](https://www.myknowledgebroker.com/financial-services) - [Life Insurance](https://www.myknowledgebroker.com/financial-services/life-insurance) - [Types of Life Insurance](https://www.myknowledgebroker.com/financial-services/life-insurance/types-of-life-insurance) - [Buy-Sell Agreements](https://www.myknowledgebroker.com/financial-services/buy-sell-agreements) - [Business Continuation](https://www.myknowledgebroker.com/financial-services/business-continuation) - [Buy-Sell Agreements](https://www.myknowledgebroker.com/financial-services/buy-sell-agreements) - [Long Term Care Insurance](https://www.myknowledgebroker.com/financial-services/long-term-care-insurance) - [Long Term Care Insurance Resources](https://www.myknowledgebroker.com/financial-services/long-term-care-insurance/long-term-care-insurance-resources) - [Mortgage Protection](https://www.myknowledgebroker.com/financial-services/mortgage-protection) - [Bonds](https://www.myknowledgebroker.com/bonds) - [Contract Bonds](https://www.myknowledgebroker.com/bonds/contract-bonds) - [SBA Bond Guarantee Program](https://www.myknowledgebroker.com/bonds/contract-bonds/sba-bond-guarantee-program) - [Commercial Bonds](https://www.myknowledgebroker.com/bonds/commerical-bonds) - [Court Bonds](https://www.myknowledgebroker.com/bonds/court-bonds) - [Auto Dealers Bond Service](https://www.myknowledgebroker.com/bonds/auto-dealers-bond-service) - [Bonding Videos](https://www.myknowledgebroker.com/bonds/bonding-videos) - [Sheriff Indemnity Bonds](https://www.myknowledgebroker.com/bonds/sheriff-indemnity-bonds) - [Errors & Omissions Policy Only - Individual](https://www.myknowledgebroker.com/bonds/errors-and-omissions-policy-only-individual) - [ERISA, Pensions & Welfare Bond](https://www.myknowledgebroker.com/bonds/erisa-pension-and-welfare-bond) - [Business Service Bonds](https://www.myknowledgebroker.com/bonds/business-service-bonds) - [Personal Insurance](https://www.myknowledgebroker.com/personal-insurance) - [Get a Home/Auto Quote](https://www.myknowledgebroker.com/personal-insurance/get-a-home/auto-quote) - [Private Client Division](https://www.myknowledgebroker.com/wealth) - [Auto Insurance](https://www.myknowledgebroker.com/personal-insurance/auto-insurance) - [Teen Drivers](https://www.myknowledgebroker.com/personal-insurance/auto/teen-drivers) - [Replacement Coverage](https://www.myknowledgebroker.com/personal-insurance/auto/replacement-coverage) - [Home Insurance](https://www.myknowledgebroker.com/personal-insurance/home-insurance) - [Guaranteed Replacement](https://www.myknowledgebroker.com/personal-insurance/homeowners/guaranteed-replacement) - [Home Inventory](https://www.myknowledgebroker.com/personal-insurance/homeowners/home-inventory) - [Private Client Division](https://www.myknowledgebroker.com/wealth) - [Personal Umbrella](https://www.myknowledgebroker.com/personal-insurance/personal-umbrella) - [Identity Theft](https://www.myknowledgebroker.com/personal-insurance/identity-theft) - [Employer Discounts](https://www.myknowledgebroker.com/personal-insurance/employer-discounts) - [Flood Insurance](https://www.myknowledgebroker.com/personal-insurance/flood-insurance) - [Customer Testimonials and Videos](https://www.myknowledgebroker.com/personal-insurance/personal-line-customers-testimonials-and-videos) - [Medicare](https://www.myknowledgebroker.com/personal-insurance/medicare) - [Medicare](https://www.myknowledgebroker.com/personal-insurance/medicare) - [Resources](https://www.myknowledgebroker.com/resources) - [Webinars](https://www.myknowledgebroker.com/webinars) - [Downloads](https://www.myknowledgebroker.com/downloads) - [Risk Management Center](https://www.myknowledgebroker.com/rmc) - [Training](https://www.myknowledgebroker.com/resource-center/training) - [Rapport with Medical Professionals](https://www.myknowledgebroker.com/resource-center/rapport-with-medical-professionals) - [Professional Services](https://www.myknowledgebroker.com/business-insurance/professional-services) - [Client Portal](https://www.myknowledgebroker.com/client-portal) - [Risk Management Center](https://www.myknowledgebroker.com/rmc) - [Passport (Schools & Municipalities)](https://www.myknowledgebroker.com/passport) - [InsurLink](https://clientportal.vertafore.com/Login/1000406-1) - [About Us](https://www.myknowledgebroker.com/about-us) - [Blog](https://www.myknowledgebroker.com/blog) - [News](https://www.myknowledgebroker.com/about-us/news) - [Philosophy](https://www.myknowledgebroker.com/about-us/philosophy) - [Community Support](https://www.myknowledgebroker.com/about-us/community-support) - [Office Locations](https://www.myknowledgebroker.com/about-us/office-locations) - [Contact Us](https://www.myknowledgebroker.com/about-us/contact-us) - [Write a Review](https://www.myknowledgebroker.com/write-a-review) - [Make a Payment](https://www.myknowledgebroker.com/make-a-payment) - [TV Commercials](https://www.myknowledgebroker.com/about-us/tv-commercials) - [Privacy Statement](https://www.myknowledgebroker.com/about-us/privacy-statement) - [Careers](https://www.myknowledgebroker.com/about-us/careers) - [Career Opportunities](https://recruiting2.ultipro.com/RRI1001RRIS/JobBoard/073030a9-8091-4aee-bef3-364b5a88b8c5/?q=&o=postedDateDesc) - [Benefits](https://www.myknowledgebroker.com/about-us/careers/benefits) - [Blog](https://www.myknowledgebroker.com/blog) - [Recent News](https://www.myknowledgebroker.com/about-us/news) - [Employee Directory](https://www.myknowledgebroker.com/employee-directory) ### Related Articles ![R&R Insurance - The Knowledge Brokers](https://www.myknowledgebroker.com/hs-fs/hubfs/images-v2/rr-logo-wide.png?width=253&name=rr-logo-wide.png "R&R Insurance - The Knowledge Brokers") - [Home](https://www.myknowledgebroker.com) - [About Us](https://www.myknowledgebroker.com/about-us) - [Contact Us](https://www.myknowledgebroker.com/about-us/contact-us) - [Careers](https://www.myknowledgebroker.com/about-us/careers) - [p: 800.566.7007](http://tel:+18005667007) Waukesha Office | N14 W23900 Stone Ridge Drive | Waukesha, WI 53188 | [262.574.7000](tel:+12625747000) | [Get Directions](https://www.myknowledgebroker.com/about-us/office-locations) AFTER HOURS CLAIMS | [PHONE: 828.539.4574](tel:+12625747000) | EMERGENCY CLAIM CALLS ONLY PLEASE ©2021 All Rights Reserved. R&R Insurance Services, Inc. | [Privacy Statement](https://www.myknowledgebroker.com/about-us/privacy-statement) [**](https://www.myknowledgebroker.com/personal-insurance/personal-umbrella#) Menu [800.566.7007](tel:+18005667007) [Contact Us](https://www.myknowledgebroker.com/about-us/contact-us) [Request a Quote](https://www.myknowledgebroker.com/contact-us/general-quote-inquiry) © 2026 www.myknowledgebroker.com ![](https://www.googleadservices.com/pagead/conversion/966234977/?label=A33TCJq-1WkQ4abezAM&guid=ON&script=0) ![](https://px.ads.linkedin.com/collect/?pid=3881898&fmt=gif)