I never thought ’til recently that I needed more insurance. Already had my car. My house? That too. Then—BOOM—someone mentioned umbrella insurance, and I was like: wait what even is that?

Turns out it’s like this invisible armor 🛡️ that kicks in when your basic coverage throws in the towel.

So basically, say you crash into someone (god forbid) and they sue you for, I dunno, $900,000… but your auto insurance? It’s capped at $300k.

Where does the rest come from? You. Unless you got umbrella coverage. Then it’s not you. It’s them. InsureDirect.

What is this umbrella thingy?

It’s more like, a safety blanket. For ya finances. Not a physical umbrella obviously, but it shelters you. Like, from money doom.

It doesn’t just do car accident stuff either. Covers weird legal junk like if your dog flips and bites someone, or if someone trips on your icy driveway in February and decides to take you to court. Even defamation things! Like if you accidentally tweeted something dumb about someone (been there).

I didn’t know half of this stuff was even suable. Turns out, almost everything is.

Why i went with InsureDirect tho?

They ain’t robots. Real people. Real chill. Real affordable. I’m not kidding—mine’s like $22 a month. That’s less than a pizza and honestly more satisfying.

I got the $1 mil coverage (they start from there), but they go up to like $10 mil if you’re, y’know, fancy like that.

Affordable. Simple. Real humans.

Not tryna sound like a commercial or something, but they really don’t give you the runaround. Everything was explained proper. No pushy weird stuff. Just, “here’s what you get, here’s what you pay.” Period.

Who even needs Umbrella Insurance?

Me. You. That dude with the nice shoes next door. Basically, if you’ve got things people could sue you for—like:

a house (yes)
a car (obviously)
a rental property (i wish)
savings (trying!)
retirement fund (eventually)
pool or trampoline (danger zones)

You gotta consider this. Like seriously. One bad day and you’re stuck paying lawyer fees and settlements outta pocket unless you’re protected.

It’s not just for rich folks. It’s for people with anything to lose. Future income counts too btw. They can come for that.

real talk — here’s an example

This didn’t happen to me (thank god), but I heard this story: someone crashed into a BMW. Totaled it. Driver sues ’em for injuries, lost wages, car damage. Final bill? $950k. Their insurance only covered $300k.

Where’s the other $650k gonna come from? Right… them. Or their umbrella policy, if they had one. If not, it’s bye-bye savings, maybe even wage garnishing. 😵‍💫

I ain’t tryna play that game.

How to sign up with InsureDirect? easy peasy.

I just went to their website (InsureDirect.com). Put in some info. Got a call. Done.

They checked what coverage I already had, explained how umbrella fills in the blanks, and boom—I was covered same day.

No 75-page forms. No fax machines. I don’t even own one.

These folks? they’re solid.

I called once at like 7PM on a Thursday. They picked up. No hold music. Just a rep who actually got what I was saying.

Plus, claims process? Fast. My friend filed one (neighbor slipped on her wet driveway or something) and got it sorted in a week. She swears by them now too.

Wrapping it up (but really just getting started)

I used to think umbrella insurance was for celebrities or people who wear suits a lot. Turns out, it’s just normal people tryna protect their stuff.

InsureDirect made it easy. Not scary. Not expensive.

I sleep easier now, knowing my house, my little emergency fund, and my sanity are covered if life gets messy (which it does… often).

Wanna chat with them? here ya go:

📍 InsureDirect HQ
618 South Broad Street
Lansdale, Pennsylvania 19446

📞 (800) 807-0762 ext. 602
📧 contact@insuredirect.com
🌐 InsureDirect.com