Umbrella Insurance

Umbrella insurance adds an extra layer of protection when you go over your limits.

Protect your financial future with umbrella insurance if coverage costs exceed your limits during a claim.


Umbrella insurance offers additional protection.

Umbrella insurance has an unusual name, but it's a simple concept—it's an extra liability policy for added peace of mind. Most commonly, this type of coverage is something you get in addition to either an auto insurance or home insurance policy, as well as watercraft insurance.

Focuses primarily on liability claims.

This type of coverage is specifically about liability, which is the cost you might have to pay to somebody else for an unfortunate event where you are held responsible. It doesn't usually include losses you bear yourself, such as if your property is damaged or your possessions are stolen.


Pays out when liability coverage limits are not enough.

You'd usually get umbrella insurance when your main insurance policy has liability coverage limits that are too low for your needs. The policy will only pay out when your main policy has already paid out in full, and it will only pay out the remainder of your costs.

How does umbrella insurance work?

For example, if your auto policy covers liability up to $500,000 but you cause an accident that leaves the other driver with medical bills of $600,000, your main policy will pay out in full, and the umbrella policy will kick in for the remaining $100,000.

How can you increase your personal liability limits?

Umbrella insurance allows you to get more coverage if a claim goes over your auto, home, or watercraft policy's limits, which you'd have to pay for out-of-pocket otherwise.

Who does an umbrella insurance policy cover?

If you have this type of insurance, it may cover members of your family or household. Be sure to understand who is covered by your specific policy when looking for coverage for your unique situation.

Do you need umbrella insurance?

The policy itself will have its own limit, but this is less likely to be an issue. In addition, coverage might be more affordable than you might think. While it covers large potential payouts, the premium usually reflects the reduced risk that the policy will need to payout.

Are you ready to get additional protection for yourself and your family with umbrella insurance? Contact us to go over your unique needs in regards to an umbrella policy.

Why We're Different

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for.

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you. So if you’re at all concerned for your financial well being, you should investigate what you are offered carefully, and consider a relationship with a reliable guide.

There’s no such thing as a one-size-fits-all insurance policy.

We’re your neighbors.  Let us help with your insurance needs for your businesses and people we know and care about.  That means looking for ways, including carefully choosing the insurance companies we represent to be both affordable and responsive.


We offer more than just a policy

Let us show you what we can do for you today!

Call us at 956-794-9700 or get a quote on this page.