Umbrella insurance
When a major claim or lawsuit exhausts your auto or home liability limits, umbrella insurance steps in to protect everything you have worked for.
Protection above and beyond
Major claims and lawsuits can put your assets at risk in an instant. Once the liability limit on your auto or homeowners policy is used up, you can be personally exposed to a civil judgment. An umbrella policy is excess liability coverage that kicks in at that point, so you still have protection when your primary policy runs out.
- Sits above your auto, home, renters, and watercraft liability limits.
- Can cover claims your other policies may not, such as libel, slander, and invasion of privacy.
- Typically sold in $1 million increments at a cost that surprises most people.
Who should consider an umbrella policy?
If you own a home, have savings or retirement accounts, have a teen driver, own a rental property, a pool, or a dog, or simply want to protect your future income, an umbrella policy is worth a conversation. We will look at your current limits and show you how an umbrella fits on top of them.
Common questions
What is an umbrella policy?
An umbrella policy is extra liability coverage beyond the limits of your homeowners, renters, auto, or watercraft insurance. It adds a layer of protection if you are sued for injuries to others or damage to their property, and it can also cover claims such as libel, slander, and invasion of privacy.
Do I need an umbrella policy?
Probably. Your car, home, investments, retirement accounts, checking and savings, and even future income can all be considered assets in a lawsuit. If a judgment exceeds your liability coverage, those assets are exposed. People buy umbrella coverage to keep one accident or misstep from becoming a financial disaster.
How much umbrella coverage should I carry?
A common starting point is enough coverage to protect your net worth and future earnings. We will review your assets and current liability limits and recommend a level that fits.
Other coverage we place
Find out what better coverage costs.
Tell us what you want to protect. We compare carriers, explain the trade-offs, and come back with clear options.