Added Liability Protection Above Your Standard Policies
A personal umbrella policy provides an added layer of liability protection above your home, auto, boat, motorcycle, or other underlying personal insurance policies.
For many families, a serious auto accident, injury on your property, or lawsuit can create damages that exceed the limits of a standard policy. Umbrella insurance helps protect savings, income, home equity, and long-term financial security.
When to Consider an Umbrella
A personal umbrella policy provides an added layer of liability protection above your home, auto, boat, motorcycle, or other underlying personal insurance policies.
For many families, a serious auto accident, injury on your property, or lawsuit can create damages that exceed the limits of a standard policy. Umbrella insurance helps protect savings, income, home equity, and long-term financial security.
- Own a home
- Have young drivers
- Own rental property
- Have a pool, trampoline, ATV, boat, or recreational vehicle
- Employ household help
- Own a farm, rural property, or larger acreage
- Have meaningful savings or income to protect
- Want added liability protection beyond your standard policies
How an Umbrella Works
An umbrella policy sits above your home, auto, and other underlying policies. When a covered liability claim exceeds the underlying limit, the umbrella policy responds up to its own limit. This provides broad protection for a relatively modest annual cost in most cases.
We review the underlying policies, confirm the limits qualify, and help determine an appropriate umbrella limit for the household.