Umbrella Insurance for Added Peace of Mind

Protect Your Savings, Home, and Future From Large Liability Claims

Umbrella insurance provides an extra layer of coverage when your home or auto policy limits aren’t enough. It’s designed to protect your finances and assets from major claims or lawsuits, giving you security in the face of the unexpected. Whether you own a home, have investments, or simply want stronger protection, we’ll help you decide if umbrella coverage is right for you.

What Umbrella Insurance Can Cover

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Additional Liability Coverage

Extends beyond the limits of your auto or homeowners policy, covering damages and legal costs when base coverage is exhausted.

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Legal Defense Costs

Helps cover attorney fees and court costs, even if you’re not found at fault.

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Personal Injury Protection

Covers claims related to libel, slander, defamation, and similar risks that may not be included in standard policies.

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Protection for Your Assets

Shields your savings, investments, and future earnings from large judgments or settlements.

Common Questions About Umbrella Insurance

  • What does umbrella insurance cover?

     It provides additional liability coverage that kicks in when your auto, home, or renters policy limits are reached. It can also cover claims that standard policies might not, including legal defense and personal injury lawsuits like libel or defamation.

  • Who needs umbrella insurance?

    Anyone with assets to protect can benefit from umbrella coverage. If you own property, have savings, or host guests regularly, an umbrella policy offers extra security in the event of a costly accident or lawsuit.

  • How much umbrella coverage should I get?

    Policies typically start at one million dollars in coverage, but we’ll help you determine the right amount based on your current assets, income, and lifestyle. Our advisors will guide you through the options clearly and without pressure.

  • Does umbrella insurance cover me if I’m sued?

    Yes. One of the key benefits of umbrella insurance is protection in the event of a lawsuit. It can cover legal fees, settlements, and judgments when your base policy limits are not enough.

  • Is umbrella insurance expensive?

    Not usually. Because it only kicks in after other coverage is exhausted, premiums are often surprisingly affordable. We’ll show you options that give you more peace of mind without adding unnecessary cost.