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Umbrella Insurance

Extend your liability protection beyond standard policy limits with affordable excess liability coverage that protects your assets and future.

Umbrella Insurance Coverage

What Umbrella Insurance Covers

Auto Liability Excess
Covers liability claims beyond your auto insurance limits if you cause a serious accident with injuries or property damage.
Homeowner Liability Excess
Provides additional coverage beyond your home insurance if someone is seriously injured on your property or you're sued for damages.
Personal Injury Claims
Protects against claims of libel, slander, defamation of character, false arrest, and invasion of privacy.
Legal Defense Costs
Covers attorney fees and legal expenses for covered claims, even if the lawsuit is groundless or fraudulent.
Rental Property Liability
Extends coverage to rental properties you own, providing additional protection beyond your landlord insurance policy.
Worldwide Coverage
Most umbrella policies provide liability coverage anywhere in the world, protecting you during international travel.

Why You Need Umbrella Insurance

Protect Your Assets

A single serious accident or lawsuit could exceed your standard policy limits. Umbrella insurance protects your savings, investments, home equity, and future earnings from being seized in a judgment.

Affordable Protection

Umbrella policies are surprisingly affordable, typically costing $150-$300 per year for $1 million in coverage—a small price for significant peace of mind.

Broader Coverage

Umbrella policies often cover claims that your standard policies don't, such as false arrest, libel, slander, and defamation of character.

Independent Agent Advantage

We compare umbrella policies from multiple carriers to find you the best coverage at competitive rates, ensuring your policy coordinates properly with your existing insurance.

Protect Your Financial Future

Get a quote for umbrella insurance and add an extra layer of protection to your assets.

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