Extra Liability Coverage Without The Guesswork
core Coverages
Umbrella insurance extends your liability coverage beyond the limits of your home, auto, or landlord policies. It’s a smart way to stay protected against large, unexpected claims.
When a single policy isn’t enough, umbrella insurance helps cover legal costs, medical bills, and more—without putting your savings or assets at risk.
An Extra Layer Of Protection
Additional Liability Coverage
Additional Liability Coverage
If your existing policy maxes out, umbrella insurance steps in. It provides extra liability protection for bodily injury, property damage, and even lawsuits related to personal injury claims.
- Extends liability limits
- Applies to auto, home, & landlord policies
- Helps cover court judgments
- Includes legal defense costs
- Covers injuries or property damage
Personal Asset Protection
Personal Asset Protection
Umbrella insurance can help protect your personal assets—like savings, investments, or future income—from being used to pay out-of-pocket for large claims or legal fees.
- Shields retirement savings & investments
- Prevents personal financial loss
- Great for high-net-worth households
- Supports long-term financial security
- Valuable for landlords & business owners
Broader Legal Coverage
Broader Legal Coverage
Umbrella policies often cover situations excluded by standard insurance—like libel, slander, and false arrest. It’s flexible, affordable protection with broader reach.
- Covers defamation claims
- May include false arrest or detention
- Ideal for public-facing professionals
- Helps fill common policy gaps
- Adds peace of mind for legal exposure
FREQUENTLY ASKED QUESTIONS
Umbrella Insurance
Here are common questions about how umbrella insurance works—and when it makes sense to have it.
What does umbrella insurance actually cover?
Umbrella insurance provides additional liability protection above your existing policies. It covers injury to others, property damage, legal fees, and certain lawsuits. It’s designed to kick in when the coverage limits on your other policies are exhausted.
Do I need to have other policies first?
Yes. Umbrella insurance works alongside existing home, auto, or rental property insurance. You must carry minimum liability limits before an umbrella policy can be added to extend your protection.
Is umbrella insurance expensive?
Umbrella insurance is typically very affordable, especially considering the amount of extra protection it provides. For many families or property owners, it’s a smart way to cover major risks at a low cost.
Who should consider umbrella insurance?
Umbrella coverage is ideal for anyone with assets to protect, rental properties, teenage drivers, or higher liability exposure. It’s especially valuable for those who want broader coverage and peace of mind.
Does umbrella insurance cover personal lawsuits?
Yes, many umbrella policies cover personal liability situations like defamation, libel, or slander—claims that standard policies often exclude. We’ll help you understand what’s included in your specific plan.