Umbrella Insurance
Extra Liability Protection When You Need It Most
Your home and auto policies have liability limits. An umbrella policy picks up where they leave off — providing an extra layer of coverage that protects your assets and your future.
How Umbrella Insurance Works
An umbrella policy sits on top of your existing home, auto, or other liability policies. When a claim exceeds those underlying limits, your umbrella coverage kicks in — protecting your savings, investments, and future earnings from large judgments or settlements.
A covered incident occurs
An accident, injury, or lawsuit triggers a claim against your home or auto policy.
Your primary policy pays first
Your homeowners or auto liability coverage pays up to its limit.
Umbrella covers the rest
If the claim exceeds your primary policy's limit, your umbrella policy covers the remaining amount up to its limit.
What Umbrella Insurance Covers
Bodily Injury Liability
Covers serious injuries to others caused by you, a family member, or even a pet — beyond your auto or home limits.
Property Damage Liability
Pays for damage you cause to someone else's property when your underlying policy limits are exhausted.
Personal Liability
Covers incidents like a guest injured at your home, a slip-and-fall on your property, or an accident involving your watercraft.
Legal Defense Costs
Helps pay attorney fees and court costs if you're sued, even if the lawsuit turns out to be groundless.
Libel and Slander
Some umbrella policies cover personal liability claims related to defamation, libel, or slander.
Worldwide Coverage
Many umbrella policies extend liability protection beyond the U.S., covering incidents that occur while traveling abroad.
Who Benefits From an Umbrella Policy?
Umbrella insurance is a smart choice for anyone with assets worth protecting — or anyone whose lifestyle creates additional liability exposure.
- Homeowners with significant equity or savings
- Families with teenage drivers
- Dog owners
- Anyone who frequently entertains guests at home
- Landlords renting out property
- Business owners with personal assets to protect
A Million Dollars of Coverage for Less Than You'd Expect
Umbrella policies typically start at $1 million in coverage and cost a few hundred dollars a year. We'll review your existing policies and show you exactly where an umbrella fits.
Get an Umbrella Insurance Quote
We'll review your current coverage and show you how an umbrella policy can protect everything you've worked for.
Schedule a Free Consultation