Extra Liability Protection When It Counts Most
If a serious accident leads to medical bills, legal claims, or property damage beyond your standard policy limits, umbrella coverage can help. It adds a layer of protection over your auto, homeowners, or rental insurance—and gives you peace of mind in situations you can’t always predict.
Because Accidents Don’t Always Stay Small
Umbrella Insurance Helps Cover What Base Policies Don’t
When Your Coverage Needs a Boost
We Break Down What You Actually Need
Not everyone needs an umbrella policy—but many people do and don’t realize it. We’ll review your situation and explain whether it makes sense for you.
We Build Around What You Already Have
Your umbrella policy doesn’t replace your other coverage—it extends it. We’ll make sure it lines up with your home, auto & any extras you carry.
We Keep It Surprisingly Affordable
Umbrella policies often cost less than you’d think—and the coverage is huge. We’ll find you a good rate with reliable protection.
Extra Liability for Auto & Home
Extra Liability for Auto & Home
Umbrella insurance kicks in when claims exceed the limits of your standard policies—whether it’s a car crash, slip & fall, or damage to someone else’s property.
- Extends auto & homeowners liability
- Helps cover court costs & settlements
- Protects against large-scale accidents
- Available in $1M+ increments
- Complements existing policies
Protection for Uncommon Risks
Protection for Uncommon Risks
It’s not just about the usual accidents. Umbrella coverage can help if you’re sued for libel, false arrest, or rental property incidents.
- Covers personal lawsuits & reputational claims
- Helps landlords with tenant-related issues
- May include coverage for pets
- Defends against unexpected claims
- Ideal for higher-risk households
Designed to Protect Your Future
Designed to Protect Your Future
Umbrella insurance helps prevent one incident from becoming a financial disaster. It protects your savings, income & assets—now and down the road.
- Protects retirement & investments
- Shields future earnings
- Supports higher-net-worth families
- Great for frequent hosts or drivers
- Optional coverage add-ons available
Your Questions, Answered Plain & Simple
Umbrella Insurance FAQ
How does umbrella insurance work?
It adds coverage on top of your existing liability limits. If you’re liable for more than your policy covers, the umbrella policy kicks in next.
Who should consider umbrella coverage?
Anyone with significant savings, property, or risk exposure. This includes homeowners, drivers, landlords & people with dependents.
What’s not covered by umbrella insurance?
It doesn’t cover personal property damage or intentional acts. It’s strictly for liability—protecting you from claims others make against you.
How much umbrella coverage should I get?
Many policies start at $1 million, but we’ll help you choose based on your assets, lifestyle & overall exposure.
Is umbrella insurance expensive?
Not typically. For the amount of coverage you get, it’s one of the most cost-effective ways to protect what you’ve built.
Small Policy, Big Protection
Umbrella insurance is there for the “what-ifs”—so one bad day doesn’t turn into a long-term financial mess. We’ll help you build coverage that fits your real-life risks.
From new drivers in the household to growing investments, your world changes—and so should your insurance. We’ll help you keep up without overcomplicating anything.