Umbrella Insurance
You've worked hard for your car, home, savings — your success. Personal umbrella coverage can help as you protect these assets from the unexpected.
What is umbrella insurance?
Umbrella insurance provides additional liability coverage, typically in $1 million increments up to $10 million, over liability coverage in other policies you already have and for unusual risks that aren't covered by your other policies. It's an affordable way to help you keep an extraordinary event from becoming a financial life-changer.
How does an umbrella insurance policy work?
An umbrella policy builds on the liability coverage of your existing car insurance, homeowners insurance, and renters, condo or boat insurance. If you cause injuries or damage to someone else and max out the liability limit in your existing policy, umbrella insurance can provide additional coverage, adding a layer of protection for your finances.
Umbrella insurance may also provide coverage where your existing liability policies don't — for example, if you're sued for slander over a social media post or you borrow a friend's jet ski and are sued for injuries to a swimmer. And it follows you anywhere in the world.
How can umbrella insurance help?
These common situations are examples of the many ways umbrella insurance could help.
You broadside a car carrying two executives
Their car is totaled, they need medical care — and they sue you for lost wages while they recover, plus pain and suffering. If the costs exceed your auto policy limits, umbrella coverage could help cover the remaining balance.
Your injured guest needs ongoing care
A guest slips and hits their head around your pool. They need surgery and ongoing rehab — and will be out of work for months. When homeowners liability limits are reached, an umbrella policy could pay the rest.
You accidentally flood your downstairs neighbor
You leave your bathtub running and flood the condo downstairs, damaging walls, floors and furniture. Her home-based business shuts down while repairs are made. Umbrella coverage can help cover the property damage and lost income.
What does umbrella insurance cover?
An umbrella policy typically covers costs related to:
What is not covered by an umbrella policy?
Who needs umbrella insurance?
Anyone with income or assets they want to protect — a home, a boat, investments, savings, rental properties — could benefit from umbrella insurance.
You may benefit if you:
- Host guests in your home
- Have substantial savings or investments
- Have a high income that could be garnished to pay damages
- Have a new driver in the house
- Travel out of the country frequently
- Have a pet
- Have a pool, coach a child's team, or take part in other activities at higher risk of a lawsuit
Getting started is easy!
Tell us what you need
Start online or call our office. It only takes a few minutes.
We compare options
Our team shops multiple carriers to find the right fit.
You choose with confidence
We explain the differences before you decide.
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