Extra liability beyond policies
What Is Umbrella Insurance?
Umbrella insurance provides extra liability coverage that extends beyond your existing home, auto, or other personal insurance policies. When the limits of those policies are exhausted after a serious claim or lawsuit, your umbrella policy steps in to cover the remaining costs.
This additional protection helps safeguard your savings, home, and future income if a major accident results in damages that exceed the limits of your standard insurance.

Even better, umbrella insurance often provides $1 million or more in coverage for a relatively low annual cost, making it one of the most valuable ways to increase your overall financial protection.
Protection beyond policy limits
How Umbrella Insurance Works
Umbrella coverage acts as a financial safety net on top of your existing policies.
For example:
- If your auto insurance provides
$250,000 in liability coverage
- And you have a
$1 million umbrella policy
A serious accident resulting in $1 million in damages could be covered like this:
- Auto policy pays the first
$250,000
- Umbrella policy may cover the remaining $750,000
Without umbrella insurance, those additional costs could come directly out of your own assets.
Protection for major liability risks
Situations Where Umbrella Coverage Can Help
Umbrella policies protect against large liability claims in many everyday situations, including:
- A major auto accident with multiple injured parties
- A serious injury occurring on your property
- A dog bite or accident involving a guest
- Damage caused by a teen driver in your household
- Certain personal liability claims such as defamation lawsuits
In situations where legal costs and settlements grow quickly, umbrella coverage can provide crucial protection beyond standard policy limits.
Smart protection for valuable assets
Who Should Consider an Umbrella Policy?
Umbrella insurance is worth considering for many households, especially those who:
- Own a home or rental property
- Have savings or investments to protect
- Have teenage drivers in the household
- Own boats, recreational vehicles, or other liability exposures
- Want additional peace of mind against lawsuits
Anyone with assets or future income can benefit from the additional financial protection umbrella insurance provides.
How Much Umbrella Insurance Do You Need?
Many people start with $1 million in umbrella coverage, though higher limits are available depending on your needs and risk exposure.
Our team can help evaluate your current coverage, review your underlying home and auto policies, and recommend appropriate umbrella limits to help ensure you're fully protected.
Affordable Protection With Significant Coverage
Umbrella insurance often costs only a few hundred dollars per year for $1 million in additional protection. Considering the size of potential liability claims today, that small investment can provide a significant layer of financial security.
Bundling umbrella coverage with your existing policies can make the process simple while strengthening your overall protection plan.
Take the First Step Today
Add an Extra Layer of Protection
Serious accidents and lawsuits can happen unexpectedly. Umbrella insurance helps ensure that one incident doesn't jeopardize the financial stability you've worked hard to build.