Umbrella Coverage
Extra liability protection that goes beyond your home and auto policies. Affordable peace of mind for you and your family.
Get Your Umbrella QuoteWhat Umbrella Coverage Protects
Additional liability protection for situations your other policies don't fully cover
Homeowners Liability
Extra protection beyond your home insurance limits for accidents at your property.
Auto Liability
Additional coverage for vehicle-related incidents that exceed your auto policy limits.
Personal Liability
Protects you from lawsuits and claims from injuries or property damage you cause.
Business Liability
Extended coverage for business-related incidents and professional liability claims.
Why Get Umbrella Coverage With Us
- Affordable extra protection layer
- Coverage that fills the gaps in your existing policies
- Protection from major lawsuits and legal costs
- Peace of mind for your family and assets
Common Questions
What is umbrella insurance?
Umbrella insurance is extra liability coverage that sits "above" your homeowners and auto insurance policies. When a claim exceeds the limits on those policies, your umbrella policy kicks in to provide additional protection.
How much umbrella coverage do I need?
It depends on your assets, income, and risk exposure. A general rule is to have coverage equal to your net worth, but we can help you determine the right amount for your situation. Most people get $1 million to $5 million in coverage.
Is umbrella insurance expensive?
No. Umbrella insurance is actually very affordable—often as little as $100-200 per year for $1 million in coverage. It's one of the best values in insurance.
Do I need umbrella coverage if I have homeowners and auto insurance?
If you have significant assets or income, yes. Standard homeowners and auto policies have liability limits (usually $100,000-$300,000). A major lawsuit could exceed those limits and put your assets at risk. Umbrella coverage bridges that gap.
What does umbrella insurance NOT cover?
Umbrella policies don't cover things your underlying policies don't cover (like intentional damage or business activities). They also won't cover claims that don't qualify under your homeowners or auto policies. We can explain exactly what is and isn't covered.
Can I get umbrella coverage without homeowners and auto insurance?
Most umbrella policies require that you maintain homeowners and auto insurance with minimum liability limits. This is standard across the industry and helps manage risk fairly.
Ready to Get Umbrella Coverage?
Protect your assets with affordable umbrella insurance.
Get Your Umbrella Quote