Umbrella Insurance

Ensure you’re fully covered and be prepared for claims larger than what your homeowners or auto insurance will cover. Protect yourself, your loved ones and your assets with extra liability coverage.

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    Umbrella Insurance That Fits Your Needs

    Coverage Options

    Go beyond the limits of regular insurance coverage with umbrella insurance options from multiple companies. Umbrella insurance provides coverage for losses above the limit of an underlying policy or policies such as homeowners and auto insurance. While it applies to losses over the dollar amount in the underlying policies, terms of coverage are sometimes broader than those of underlying policies. With umbrella insurance, you have the flexibility to select a liability limit that best protects your assets.

    Policy Highlights 

    • Cover yourself and other members of your family or household.
    • Cover injury to others or damage to their possessions; not just the policyholder’s property.
    • Cover claims in excess of regular homeowners, auto, or watercraft policy coverage.

    Frequently Asked Questions

    Who needs umbrella coverage?

    Everyone can benefit from the extra protection gained from umbrella coverage. Regardless of what kind of car you drive, if you’re a homeowner, condo owner or renter, you may be vulnerable to legal action and large judgments. Extra protection is also a good idea if you have an ATV, RV, boat, or motorcycle.

    How much does umbrella insurance cost?

    The cost of an umbrella policy depends on how much coverage you purchase, the state you live in, and the risk that insuring you presents to the insurance company. The more homes and cars you own, and the more members your policy will cover, the more it will cost. You can expect to pay $150 to $300 per year for most $1 million policies, with higher limits available.

    Why is umbrella insurance cheaper compared to other policies?

    In order to be issued an umbrella policy, you have to be carrying plenty of homeowner’s and auto insurance. Umbrella insurance covers the excess of what those policies might not.

    What does umbrella insurance NOT cover?
    • Damage to your own property. Umbrella insurance is a liability policy, so it will only cover you in the event of damaging some else’s property. Your homeowner’s insurance is responsible for protecting your own property and possessions.
    • Damage that you or a covered member of your household cause on purpose.
    • Liability incurred in business or professional activities.
    • Liability you agreed to assume under a contract you signed.
    • Liability related to war or armed conflicts.