Umbrella Insurance

Why is it Important?

Umbrella Insurance is an extremely important (yet often overlooked) coverage that protects your assets and financial future from risks that can exceed your primary insurance coverage limits. Due to ever rising medical care costs and the increasingly litigious nature of our society, having additional coverage is imperative.

For example, your primary auto insurance policy (like all insurances) has a limit for medical liabilities – what were to happen if you are in a terrible accident and the other party is gravely injured? How quickly could their medical care surpass $100,000-$300,000? How much more so if more than one person is injured?

Other risks that would warrant purchasing an Umbrella Insurance policy are trampoline owners, owners of certain breeds of dogs, gunowners, homeowners with swimming pools and so on.


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An umbrella policy kicks in when you reach the limit on the underlying liability coverage in an auto, homeownersrenters or co-op / condo policy. It will also cover you for additional types of claims, such as libel and slander.

Because the personal umbrella policy pays out after the underlying coverage is exhausted, most insurers will want you to have about $250,000 of liability insurance on your auto policy and $300,000 of liability insurance on your homeowners policy before they will sell you an umbrella policy.

While your standard auto and homeowners policies do provide some level of coverage for liability, it is typically more cost effective to purchase an Umbrella Insurance policy instead of choosing the highest possible liability limits on your primary policies.

Naturally there are some cases with more potential risk than others but anyone who wants to protect their assets and/or financial future could benefit from this type of coverage. If you are sued, this kind of policy will pay up to your policy limits for legal judgments against you, as well as the related attorney's fees.

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for over 10 years!

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Meet The Experts


Jodie Enenbach-Moreno

Agency Owner & Licensed Agent

Jodie Enenbach-Moreno is the owner of Smart Insurance Solutions®. Prior to opening her agency in 2013, Jodie worked for Blue Cross Blue Shield of Nebraska and Mutual of Omaha in service, sales and marketing. Her passion for client education motivated her decision to open an independent agency here in Omaha. Jodie hosts educational classes throughout the year on the radio, for community groups, financial advisors and the general public.

With over 15 years of insurance experience, Jodie spends many hours refreshing product knowledge, renewing certifications for government programs (Medicare & Marketplace) and staying on top of regulation changes. For additional compliance and support, Jodie has a long-standing relationship with Preferred Marketing Associates.

photo by Lane Hickenbottom/Omaha Headshot Co.

Rebecca ‘Becky’ Rosales

Licensed Agent

Licensed Agent & Operations. Becky has been with Smart Insurance Solutions® for over 4 years and is a wonderful asset to the team.

She supports the agency in customer service, bookkeeping and insurance sales. Becky is from Omaha and has decades of support and leadership experience

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Cristal Briceño Rios

Front Desk Associate

Cristal’s background is in nursing and most recently worked for a pharmaceutical benefit management company before joining our team. Cristal is a great asset to our team in supporting the front desk area and other administrative duties.