Insurance We Offer
Umbrella Insurance
Extra liability protection that sits above your auto, home, and other policies.
An umbrella policy provides an additional layer of liability protection above the limits of your auto, home, and other underlying policies. It's an affordable way to protect your assets against a major claim or lawsuit.
If you own property, have savings, or simply want greater peace of mind, we'll help you determine how much umbrella coverage makes sense for you.
What this coverage can include
- Additional liability limits above your existing policies
- Coverage for bodily injury and property damage claims
- Protection for certain personal injury claims
- Legal defense costs
- Coverage that follows you at home and away
Coverages and availability vary by carrier, state, and policy. Contact us to review the specific options available to you.
Umbrella Insurance — Frequently Asked Questions
What is umbrella insurance?
- Umbrella insurance is extra liability coverage that kicks in once the liability limits on your auto, home, or other policies are exhausted. It also covers certain claims your underlying policies may not, such as some personal injury claims, plus legal defense costs.
Who needs an umbrella policy?
- If you own a home, have savings or investments, rent out property, or simply want to protect your assets from a large lawsuit, an umbrella policy is worth considering. A single serious accident can result in a judgment that exceeds standard policy limits.
How much umbrella coverage should I have?
- A common guideline is to carry umbrella limits at least equal to your total net worth. Coverage usually starts at $1 million and is surprisingly affordable. We'll help you choose a limit that matches your assets and risk.