What Happens When $500,000 Isn't Enough?
One serious accident can cost more than your auto or home liability limits.
Umbrella insurance provides an additional layer of liability protection above certain underlying policies, helping protect your assets, savings, future income and other things you've worked hard to build.
An Extra Layer of Liability Protection
Your auto and homeowners insurance policies provide liability protection, but every policy has limits.
If you are responsible for a serious accident or injury and the resulting claim exceeds the liability limits of your underlying policy, an umbrella policy can provide additional liability protection, subject to its terms and conditions.
- Additional liability protection
- Protection that can extend above qualifying auto and home liability coverage
- Coverage designed for serious liability claims
- An additional layer of protection for your assets and future income
One Accident. Millions of Dollars at Risk.
Imagine causing a serious auto accident that leaves another person severely injured.
Medical expenses, lost wages, rehabilitation, property damage and other damages can add up quickly.
If the resulting liability claim exceeds your underlying auto policy limits, an umbrella policy may provide an additional layer of protection, subject to the policy's terms and conditions.
TALK TO US ABOUT UMBRELLA COVERAGEYou May Want Additional Liability Protection If You...
Umbrella insurance isn't only for wealthy households. Many people can benefit from an additional layer of liability protection.
Your Assets Aren't the Only Thing at Risk.
If you have a significant income, your future earnings may also be an important consideration when thinking about liability protection.
An umbrella policy can provide an additional layer of protection for covered liability claims, subject to the policy terms, limits, exclusions and conditions.
More Protection When the Stakes Are High
Additional Liability Protection
Provides an additional layer of liability protection above qualifying underlying insurance policies.
Protect What You've Built
Additional liability protection can help protect savings, investments, home equity and other assets from covered claims.
Protect Your Future
Your future income and assets may also be worth considering when evaluating how much liability protection you need.
$1 Million or More in Additional Protection May Cost Less Than You Think.
The cost of umbrella insurance varies based on factors such as your underlying coverage, household drivers, property, vehicles, exposures and the amount of coverage you choose.
We'll review your situation and help you determine whether umbrella coverage makes sense for you.
Frequently Asked Questions
What is umbrella insurance?
How much umbrella insurance do I need?
Is $1 million enough umbrella insurance?
Who should consider umbrella insurance?
Does umbrella insurance cover my home and car?
Is umbrella insurance expensive?
Can I get an umbrella policy without homeowners insurance?
Does umbrella insurance protect my future income?
Don't Wait Until After the Lawsuit to Find Out Your Coverage Wasn't Enough.
Let's look at your current coverage and see whether an umbrella policy makes sense for you.