Personal Insurance
Umbrella Insurance
Additional liability coverage that protects you beyond your standard policy limits for extra peace of mind.
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Personal Umbrella Insurance
Umbrella policies expand coverage beyond your standard policy limits. When damages exceed what your auto or homeowners policy covers, umbrella protection activates. For example: if your homeowners policy has a $300,000 liability limit but medical bills reach $500,000, your umbrella policy covers the $200,000 gap.
Umbrella insurance fills gaps in homeowners, auto, general liability, and property insurance. It can also help reduce costs on other policies without sacrificing protection.
When Umbrella Coverage Helps
Excess Claims Beyond Policy Limits
When damages exceed what your standard policy covers, umbrella insurance pays the difference.
Debt Protection
Helps you avoid debt if held liable for expensive claims that exceed your other policy limits.
Gap Coverage
Fills gaps in existing homeowners, auto, general liability, and property insurance protection.
Adjustable Protection
Payments can be adjusted based on your current policies. May allow reduced limits on other policies.
Who Should Consider Umbrella Insurance?
Coverage Amounts
Umbrella policies typically start at $1,000,000 in liability coverage and increase in $1 million increments, creating a wide safety net for various risk levels.
To qualify for an umbrella policy, your home and auto policies must meet minimum required liability limits set by the insurance carrier. Our agents can help you determine the right coverage amount based on your assets and lifestyle.
Key Benefits
Cost-Effective Protection
Get $1 million or more in additional coverage for just a few hundred dollars per year.
Bundling Discounts
Adding umbrella coverage often reduces costs on your other policies through multi-policy discounts.
Fills Coverage Gaps
Covers claims like slander and libel that may not be covered by your standard policies.
Protects Future Assets
Safeguards not just current assets but also future wages and earnings from large judgments.
Get Umbrella Quote
Fill out this form for a free umbrella insurance quote.
Protect Your Assets
Don't leave your assets and future at risk. Get an umbrella policy for comprehensive liability protection.