Umbrella Insurance Adds Extra Protection When You Need It Most
Affordable Extra Liability Coverage for Everyday Risks
An umbrella policy adds an extra layer of liability protection beyond your home, auto, or other personal insurance policies. It's designed to help cover large claims, lawsuits, or unexpected accidents that exceed the limits of your standard coverage. Whether you own property, have savings, or simply want added peace of mind, umbrella insurance is an affordable way to protect your future.
What Umbrella Insurance Can Do for You
Umbrella insurance provides additional liability protection for situations where your other policies fall short. Here's what's usually included:
Excess Liability Protection
Covers the amount that exceeds the limits of your primary insurance (homeowners, auto, renters, etc.) if you're held legally responsible for injury or property damage. If your home or auto policy maxes out at $300,000 and you're sued for $1 million, umbrella insurance can cover the remaining $700,000.
Legal Defense Coverage
Pays for legal fees, court costs, and settlements-even if you're not found at fault. Lawsuits can be expensive, and umbrella insurance ensures you're not covering attorney bills out-of-pocket.
Coverage Across Policies
One umbrella policy can provide extra liability protection for your home, auto, recreational vehicles, boats, and more. It's a simple way to streamline high-limit protection across everything you insure.
Protection Against Personal Lawsuits
Covers personal claims like libel, slander, defamation, or false arrest-events that aren't typically covered by homeowners or auto policies but can still carry major financial consequences.
Injuries on or off Your Property
If someone is seriously injured at your home or in an accident where you're at fault, umbrella insurance helps cover medical bills and legal costs beyond your main policy limits-even if the accident happens away from home.
Customize Coverage Based on Your Life
Umbrella policies are already built to expand coverage-but you can still tailor them to fit your lifestyle:
Higher Liability Limits
Most umbrella policies start at $1 million in coverage, but you can increase limits based on your assets, risk tolerance, or occupation. If you have significant savings, properties, or business interests, higher limits may make sense.
Rental Property Liability Extension
If you own a rental home or short-term rental property, this extension can add liability protection for tenant-related incidents beyond what a landlord or dwelling policy provides.
Worldwide Coverage
Many umbrella policies offer global liability protection, so you’re still covered while traveling abroad. This can be especially valuable for frequent travelers or families studying or working overseas.
Unlisted Household Member Review
Some umbrella policies require all household drivers to be listed-especially teens or relatives living at home. We'll help you avoid gaps caused by missed names or inconsistent primary policies.
Underlying Coverage Audit
We'll make sure your base policies (auto, home, etc.) meet the requirements needed for your umbrella policy to activate-because if they don't, your umbrella coverage might not respond when you need it most.
Three Key Areas
Why Our Clients Choose Umbrella Coverage With Us
We make complex coverage simple. We explain how umbrella insurance fits into your existing policies-without jargon.
We work with multiple carriers. More options means more flexibility-and better rates for the liability protection you need.
We help protect what you've worked for. Umbrella insurance isn't just for high-net-worth individuals. It's for anyone who doesn't want one bad day to undo years of hard work.
Umbrella Insurance FAQs
Do I really need umbrella insurance if I already have home and auto coverage?
If you're at risk of facing a large lawsuit or significant liability claim, umbrella insurance provides additional peace of mind. It can help protect your savings, property, and future income from unexpected legal situations.
How much umbrella insurance do most people carry?
Many policies start at $1 million in coverage, but higher limits-like $2 million, $5 million, or more-are available. We'll help you assess your risks and recommend the right coverage amount.
Does umbrella insurance cover my business?
Personal umbrella policies generally don't cover business-related risks. However, if you have a side business, rental property, or other unique situation, we can help you explore coverage options that make sense.
How much does umbrella insurance cost?
Umbrella insurance is often more affordable than people expect-typically ranging from $150 to $300 per year for $1 million in coverage. Your premium depends on your risk factors and the underlying policies you carry.
Can I get umbrella insurance without bundling my home and auto policies?
Some insurers require you to have your home and auto policies with them to offer umbrella coverage, but not all do. We'll help you review your options and find a solution that fits your needs.
Want to Know if Umbrella Insurance Makes Sense for You?
You don't have to be wealthy to benefit from umbrella insurance. If you own a home, drive regularly, or simply want to protect your assets, we'll help you find clear, affordable coverage that brings peace of mind-no stress, no confusion.