Umbrella Insurance

40439546 - vector insurance concept isolated on white backgroundWhat is umbrella insurance?

Umbrella insurance is extra liability insurance above the limits of your homeowners, auto, and other insurance policies.

Life regularly presents challenges. Things like a visitor falling on your steps or one of your children is involved in an auto accident where a number of people are injured or, someone sues you and the judgment is levied against you. You may have home and auto insurance. What do you do if the settlements are more than what is covered by your policies.

Home Insurance‘offers an excellent umbrella policy that will help to cover the additional liability protection over and above whatever your vehicle or homeowner’s insurance gives you. The policy can provide coverage for:

  • Injury
  • False Arrest
  • Mental Anguish
  • Certain lawsuits
  • Liability Situations
  • Damage to property
  • Bodily Injury Liability
  • Owner of Rental Units
  • Property Damage Liability

By packaging umbrella insurance with your homeowners policy, you’ll not only save up to 15%, but you will have less paperwork to manage.


  • Be applied to multiple underlying liability policies
  • Cover claims not included in the underlying policies
  • Drop down when an underlying policy’s aggregate limits are exhausted

The umbrella protects you from rainy days. The umbrella policy gives you extra liability protection. If a judgment exceeds the coverage provided by your home, auto or any additional policy, the umbrella policy gives you that extra protection.

Our agents would be happy to provide a quote for you, so give us a call at (561) 123-1234.