More protection. Little cost.
Umbrella Insurance
Sometimes, accidents get expensive—and your regular insurance coverage may not be enough. That's where umbrella insurance comes in. It's extra liability coverage that goes above and beyond your existing auto, homeowners, or boat insurance policies to protect you from big, unexpected costs. Umbrella insurance is sometimes referred to as "excess liability insurance." So, what exactly is liability insurance?
Think of it like this: your home or auto policy covers you up to a certain limit. But if something major happens—a serious car accident, someone gets badly injured on your property, or you're involved in a lawsuit—that limit might not stretch far enough. Umbrella insurance fills the gap and helps you cover things like legal fees, medical bills, and damage awards that go beyond your regular policy's limits.
Who Needs Umbrella Insurance? More People Than You'd Think.
You don't have to be a millionaire to need umbrella insurance. In fact, it's a smart option for anyone who wants to protect their savings, home, or future income. If you're found legally responsible for something big—like a major accident—and your basic insurance caps out, the rest of the cost is on you. And those costs can be big if not devastating.
You should consider umbrella insurance if:
- You own a home or have significant equity in one
- You have a teen driver on your auto policy
- You own rental properties or vacation homes
- You entertain guests often at your home (pool, trampoline, pets—those all come with extra risk!)
- You volunteer, serve on a board, or are active in your community
- You post online reviews or are active on social media (yes, umbrella insurance can even cover some personal liability related to slander or libel)
In short, if there's even a small chance that someone could sue you for an accident or injury—umbrella coverage helps keep that from turning into a financial disaster.
Get An Insurance Quote
Click to get a quote online or call to talk to an insurance agent. We'll help you protect your business, home, auto, life, and more.
What Does It Cover?
Umbrella insurance is mainly designed to cover liability—that means expenses related to injuries, property damage, or legal claims you're held responsible for. Here's what it can help with:
- Bodily injury liability – If someone is injured in a car accident where you're at fault, or if someone falls at your home and is seriously hurt.
- Property damage liability – Covers damage to someone else's property (like a totaled car or damage to a rented space).
- Legal defense costs – Pays for your attorney and legal fees, even if the lawsuit turns out to be baseless.
- Personal liability – Protects you from things like libel, slander, or false arrest claims.
It's important to note that umbrella insurance doesn't cover your personal property or injuries—it's focused on helping when you're responsible for others' costs.
How Much Coverage Do You Get?
Umbrella policies typically start at $1 million in extra coverage and can go much higher depending on what you need. The good news is that this kind of protection is usually very affordable. For most families, it's a small annual cost that brings major peace of mind.
We make insurance simple to understand and easy to talk about. We'll walk through your current policies, explain where your limits end, and help you decide if umbrella coverage makes sense for your situation.
If you have questions or want to see how affordable it could be to add umbrella protection, let's talk. We're here to help you feel confident that what you've built is covered—even if life takes an unexpected turn.