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Most people think their auto or home insurance is enough. But what happens when a single jury verdict exceeds those limits? Umbrella insurance adds $1M–$5M of liability protection on top of your existing policies — and typically costs only $200–$400 per year for the first million.
What's Covered?
A clear breakdown of every protection layer included in your policy.
Extended Liability
Kicks in once your underlying auto, home, or boat liability limits are exhausted. Protects against bodily injury and property damage claims.
Personal Injury Protection
Covers claims that standard policies often exclude, such as defamation, libel, slander, false arrest, and invasion of privacy.
Worldwide Legal Defense
Pays attorney fees, court costs, and expert witnesses — often outside your policy limit. Defense costs alone can exceed $50,000 in serious cases.
Multi-Policy Protection
A single umbrella sits over multiple underlying policies for unified, higher-limit protection.
Something Many Don't Consider
Million-dollar liability verdicts are no longer rare. A serious at-fault auto accident, a dog bite, a swimming pool injury, or a teen driver crash can produce judgments well above standard limits. Umbrella insurance protects future income and assets — including wages garnished after a judgment.
- If you own a home or rental properties
- If you have savings, retirement, or investments
- If you have teen drivers in the household
- If you own a pool, trampoline, or dog
- If you serve on a nonprofit board
Our Approach
We don't recommend umbrella insurance to everyone. We first analyze your risk level, assets, and current coverages.
Analyze your risk level
Review your current coverages
Design a complementary solution
Ready to protect
what matters most?
As an independent agency, we compare multiple carriers to find the best coverage for your needs.