Extra Liability Protection for What Matters Most

If you were found liable for someone else’s bodily injury, property damage, or even death, would your current insurance limits be enough to protect your assets?

 

Umbrella insurance is a stand-alone liability policy designed to provide an extra layer of protection above the liability limits on your existing auto, homeowners, or rental property insurance.

 

Life is unpredictable. Even with careful planning, accidents happen—and when they do, standard policy limits may not be enough. Umbrella insurance helps protect your savings, property, and future by extending your liability coverage when you need it most.

 

How Umbrella Insurance Works

Umbrella insurance increases your total liability limits once the limits on your underlying policies have been exhausted.

 

Example Scenario

Imagine you are found liable for a multi-vehicle car accident resulting in serious injuries and damages totaling $850,000.

• Your auto policy liability limit: $300,000
• Amount not covered by auto insurance: $550,000

 

Without umbrella insurance, you would be personally responsible for that remaining $550,000.

 

With an umbrella policy in place, coverage would extend above your auto policy limits, covering the remaining balance—up to your umbrella policy limit (typically $1 million to $5 million).

 

Situations Where Umbrella Insurance Can Protect You

Umbrella insurance can provide coverage in many real-life situations, including:

• Your dog bites a neighbor’s child
• A fire in your condo spreads to neighboring units
• An accident occurs at your rental property
• A serious auto accident involving multiple vehicles

 

It only takes one incident to create a major financial burden.

 

How Much Does Umbrella Insurance Cost?

One of the biggest advantages of umbrella insurance is its affordability.

• Coverage typically starts around $150 per year
• Pricing increases slightly based on the number of homes and vehicles being covered
• Even at $300 per year, you may receive $1,000,000 or more in additional liability protection

 

That’s significant protection for a relatively small cost—making umbrella insurance one of the best values in personal insurance.

 

Why Umbrella Insurance Matters

With rising medical costs and an increasingly litigious environment, inadequate liability coverage can put your financial future at risk. Umbrella insurance helps ensure that one accident doesn’t result in long-term financial damage.

 

Getting Started

To receive an umbrella insurance quote:

• Call our office today, or
• Visit our Quotes Page, and our team will shop the market to find the best coverage options for you

 

Important to know:
Most insurance carriers require you to carry your auto policy with them in order to qualify for an umbrella policy. However, stand-alone umbrella policies are available for special situations.