Umbrella Insurance
Insurance Designed to Go Beyond Your Standard Policies
What Is Umbrella Insurance?
Umbrella Insurance is additional liability protection that extends beyond the limits of your home, auto, renters, or other primary insurance policies. It’s designed to protect you financially if a major accident, lawsuit, or unexpected event results in costs that exceed your standard coverage.
Umbrella policies typically provide an extra $1–$5 million in liability protection, covering things like legal fees, medical bills, property damage, and certain personal liability risks not included in your underlying policies. It acts as a powerful, affordable safety net for your assets and future earnings.
Why Do You Need It?
Even one serious incident—a major car accident, a severe injury on your property, or an accidental personal liability claim—can lead to damages well beyond the limits of your existing insurance. Without umbrella coverage, you could be responsible for paying those costs out of pocket, putting your savings, home, and future financial stability at risk.
Umbrella Insurance gives you peace of mind by providing high-limit protection at a surprisingly low cost. It ensures that no matter what life throws your way, you’re shielded from catastrophic financial loss.
Types of Umbrella Insurance
Extended Liability Protection – Adds additional coverage above your home, auto, renters, or condo policy limits.
Bodily Injury Liability – Covers medical expenses and legal costs if someone is seriously injured in an incident you’re responsible for.
Property Damage Liability – Protects you if you accidentally cause major damage to someone else’s property.
Personal Liability Coverage – Covers claims like slander, libel, defamation, or false arrest—risks not typically covered by standard policies.
Legal Defense Costs – Pays for attorneys, settlements, and court judgments, even if a lawsuit is groundless.
Worldwide Coverage – Protects you from certain liability claims no matter where you travel.
Coverage for Household Members – Extends protection to family or dependents living in your home.
Rental Property Liability – Protects landlords from liability risks associated with rental properties.
Additional Auto Liability – Covers high-cost damages from severe vehicle accidents involving you or your household.
Protection Against Large Lawsuits – Shields your assets and future income from major liability claims.