Umbrella Insurance

Umbrella insurance is extra protection for the unexpected. When a major claim exceeds your homeowners, auto, or watercraft limits, umbrella coverage helps protect your finances, assets, and future. We help clients extend their protection affordably—with coverage that kicks in when you need it most.

Do I Need Umbrella Insurance?

If you own property, drive regularly, or have significant assets, an umbrella policy adds a powerful layer of protection.

Protects Against Large Lawsuits

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Standard policies have coverage caps. Umbrella insurance helps cover the rest when damages exceed your limits.

  • Pays liability costs that exceed auto or home limits
  • Helps cover attorney fees and court settlements
  • Protects income and savings from claims

Covers a Wide Range of Situations

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Umbrella insurance applies across many areas—home, auto, rental properties, and more.

  • Covers incidents on or off your property
  • Extends liability protection to family members
  • Fills in gaps that basic policies may not include

Safeguards Your Financial Future

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One serious claim could derail decades of savings. Umbrella insurance protects what you’ve worked hard to build.

  • Helps avoid financial ruin from liability judgments
  • Protects your home, retirement, and assets
  • Offers affordable high-limit protection

Peace of Mind for Unpredictable Events

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Even careful people can face claims from accidents, defamation, or personal injury. This policy prepares you for what you can’t see coming.

  • Coverage for libel, slander, and false arrest
  • Added confidence in high-risk activities
  • Protection for landlords or volunteer roles

Depending on your needs, coverage options may include:

What Does Umbrella Insurance Cover?

Excess Liability Coverage

Extends limits of auto, home, or boat policies

Legal Fees

Pays for defense costs beyond base policy

Worldwide Coverage

Applies to incidents that happen outside the U.S.

Rental Property Liability

For landlords or vacation home owners

Understanding Umbrella Insurance Policies

We’ll help determine the right umbrella limits for your lifestyle and assets, typically starting at $1 million in coverage and scaling as needed.

When the unexpected turns serious, umbrella insurance steps in. Let’s build a plan that keeps you protected from every angle.