Extra Protection with Umbrella Insurance
When the unexpected happens, having the right insurance coverage makes all the difference. Umbrella insurance provides an extra layer of financial protection beyond the limits of your home, auto, or other liability policies. At Kreider & Smith Insurance, we offer affordable, high-limit umbrella coverage to protect your assets and future from costly lawsuits and claims.

What is Umbrella Insurance?
Umbrella insurance is extra liability coverage that extends beyond the limits of your existing policies, such as:
- Home Insurance
- Auto Insurance
- Boat Insurance
- Rental Property Insurance
It helps cover legal expenses, medical costs, and damages if you’re held responsible for an accident, lawsuit, or unexpected claim that exceeds your standard policy limits.
Why You Need Umbrella Coverage in Pennsylvania
Pennsylvania residents face a variety of risks that could lead to costly liability claims. Umbrella insurance provides financial security by covering:
✔ Serious Auto Accidents – If you cause a major accident, your auto insurance might not be enough to cover all damages and medical expenses.
✔ Lawsuits & Legal Fees – Protection if someone sues you for injury, property damage, or defamation (such as libel or slander).
✔ Home Liability Claims – Coverage for accidents on your property, like a guest injury or pet-related incident.
✔ Rental Property Protection – Extra liability coverage for landlords if tenants or visitors get injured on your rental property.
Who Should Consider Umbrella Insurance?
While umbrella coverage is beneficial for anyone, it’s especially important for those who:
Own a home, rental property, or valuable assets
Have teen drivers or frequent guests at their home
Engage in activities that could increase liability risk, such as coaching, volunteering, or social media
Want extra financial security and peace of mind
How Much Umbrella Coverage Do You Need?
Most policies start at $1 million in coverage and can go up to $5 million or more, depending on your needs. Our insurance experts will assess your risks and recommend the right coverage amount to fully protect you.

Why Choose Kreider & Smith Insurance?
✔ Local Expertise – We understand the unique risks Pennsylvania residents face.
✔ Affordable Coverage – Get high-limit protection at low monthly rates.
✔ Seamless Policy Bundling – Save more by combining umbrella insurance with home, auto, or business policies.
✔ Dedicated Support – Our experienced agents are here to help you every step of the way.
Get a Free Auto Insurance Quote Today!
Protect yourself, your passengers, and your vehicle with quality auto insurance in Pennsylvania. Contact Kreider & Smith Insurance today for a free, no-obligation car insurance quote and experience peace of mind on the road.