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What is Umbrella Insurance?
Extra Liability Coverage
Umbrella insurance provides extra coverage for when you exhaust the limits of your other existing policies. It is designed to give you an added layer of personal liability protection in addition to your current liability insurance.
Range of Coverages
Umbrella insurance is a type of personal liability insurance designed to provide extra coverage for a claim that is larger than what your homeowners insurance, auto insurance, renter's insurance, or other personal liability policies may cover.
Customize Your Coverages
When your already existing plan doesn't have enough coverage, an umbrella policy can be customized to offer you more protection.
What Does Umbrella Insurance Cover?
Umbrella insurance provides you additional liability coverage. For example:
Certain Lawsuits
Damage to Others' Property
Slander, malicious prosecution
Injury to Others
Invastion of Privacy
Incidents Outside America
Wrongful Eviction or Entry
False Arrest
What Does Umbrella Insurance Not Cover?
The list below is what Umbrella Insurance doesn't generally cover:
Contracts
Any liability you agreed to in a signed contract, such as if a contractor is hurt in your home, is not covered by umbrella insurance.
Intentional Criminal Acts
Any damage caused intentionally or harmful behavior that causes an injury is not protected by your umbrella insurance policy.
Your Personal Property
An umbrella policy is liability-only, which means it is designed to cover expenses if you're held responsible for damages to someone else's property.
Factors That Can Potentially Impact Your Rate
Coverage Type
Umbrella insurance can add protection to your current homeowners insurance, auto insurance, renter s insurance, or other personal liability policies. The type of coverage you seek will influence your rate.
Credit History
The policy limits you elect will impact premiums.
Location
Where you live or where you property is can impact your premium. Urban areas or areas with higher crime rate may see higher premium costs.
Property
The number of homes or vehicles to buy umbrella insurance for will impact policy costs.
Age
Younger individuals may pay more while older individuals may pay less, depending on the type of coverage you seek.
Career
Your profession can have an impact on coverage costs. High-risk careers may come with higher premiums.
New to Umbrella Insurance?
Here is What to Expect
Why Would I Need Umbrella Insurance?
It's important to be prepared for your future, and that can sometimes mean protecting yourself from the unexpected accidents life can bring your way. Adding an umbrella insurance policy is an effective, low-cost way to help make sure you and your family are safely covered.
What Can Umbrella Insurance Cover?
Umbrella insurance provides additional protection for many types of already existing insurance policies, including:
- Homeowners
- Renter's
- Auto
- Motorcycle
- Boat
- Jet skis
- Other recreational vehicles
Who Does this Protect?
Umbrella insurance can cover you and members of your household against potential lawsuits including bodily injury, personal injury, property damage, and landlord liability, depending on your policy. It can also help cover certain defense costs.
Our licensed insurance agents will discuss available options and discounts during your umbrella quote.
Umbrella Insurance FAQ
Do I need umbrella Insurance?
While your current insurance policies may provide a lot of protection, accidents can happen to anyone at any time. Umbrella insurance is an affordable way to help prevent potential accidents from becoming a life-changing financial burden.
How much does umbrella insurance cost?
The cost depends on many factors, including the type of coverage and how much you purchase. Give us a call, and we can talk through your situation to see what rates may be available to you.
What is typically covered by an umbrella insurance policy?
Umbrella insurance can cover you and members of your household against potential lawsuits including bodily injury, personal injury, property damage, and landlord liability, depending on your policy. It can help cover defense costs if yo uare sued for injuries caused to others in an accident or damage to someone else's property.
Can I get umbrella insurance near me?
Yes! We can help people in all 50 states shop for umbrella coverage.
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