Umbrella Insurance

Umbrella Insurance is an extremely useful type of insurance that can help cover additional liability risks beyond the limits of the coverage provided by your auto, homeowners and other insurance policies. 

Protection from the Unexpected

Umbrella insurance is an important safety net for your finances. If you are sued for damages, part or all of the cost of the damages incurred may exceed your flat-rate liability coverage on a car insurance policy, homeowners or renters insurance policy, or other types of insurance. Umbrella insurance will help you pay for what you owe.

Umbrella insurance is financial protection against loss resulting from a wide range of incidents, from accidental damage to your own car or house to injuries caused by other people. This kind of insurance covers you and all members of your household against lawsuits involving personal injury to others, damage to other people’s property and a variety of claims such as defamation, landlord liability and false imprisonment, depending on your policy.

You work hard for the things that are important to you. For added coverage above and beyond the liability limits of your Auto or Home insurance policies, a Personal Umbrella insurance policy can provide added protection for your assets and future earnings.


What Umbrella Insurance Covers

  • Your primary residence
  • Two motorized vehicles
  • Small sailboats
  • Motorboats with fewer than 50 horsepower
  • Others’ property damage
  • Your legal defense costs
  • Injuries or property damage suffered by  a tenant if you’re a landlord

You can also add optional umbrella coverage for other property and situations: Additional motorized vehicles; secondary or vacation homes; rental properties; unlicensed recreational vehicles; jet skis and jet sleds, vacant land; and uninsured/underinsured motorists.

What Does Umbrella Insurance Not Cover?

  • Your own injuries
  • Damage to your personal belongings
  • Intentional or criminal acts
  • Others’ injuries or property damage that your business is liable for

Some Typical Situations

While at college, your 19-year-old causes an accident that seriously injures a company’s top executives. Your auto insurance liability limits may not be high enough to cover their medical expenses and lost income while they recover.

A guest at the pool party you’re hosting slips on your diving board and falls onto a stone-paved deck. She’ll be okay — but will need back surgery and ongoing rehab. The cost of this care will exceed the limits of your homeowners policy.

We want to help you protect yourself from life’s unexpected accidents. Request a quote today to find out how we can help you!