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Umbrella Insurance

Get Added Liability Coverage Over the Top of Your Home and Car Coverage.

Personal umbrella insuranceprovides additional coverage in the event of a major claim, judgement, or lawsuit against you.  Also known as excess liability insurance, an umbrella policy folds over the top of any other primary policies you may have in force.


Umbrella Insurance Umbrella coverage is typically broader than your basic polices and will usually include defense costs which make them very valuable in the event of a lawsuit against you.  Generally a policy will include a single amount of coverage such as 1 million or 2 million in coverage beyond your basic polices.  Most polices will require minimum liability amounts on basic polices as well as a self retention amount.


Personal Umbrella Quotes

Contact an Insurance Specialist at The Insurance Shop today at 888.611.7467 or use our contact form to discuss your options for umbrella insurance coverage.

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What Umbrella Insurance Includes

An umbrella policy includes personal injury liability coverage which includes coverage for bodily injury, sickness, disease, etc.  Coverage also includes false arrest, libel, slander, assault, and defamation of caharacter when these acts were not intentionally committed by the insured.

 The liability limits for your umbrella coverage expand your liability coverage on your home, auto, or other vehicles.  This coverage adds additional liability protection in the event you are at fault or cause injury or damage to another person property or body.  



Umbrella Insurance


Umbrella Insurance Strategies

It has become common place for families to ensure their cars and homes with the same insurance comapany in order to receive lower rates through discounts.  Now more and more carriers are offerring umbrella coverage options that fold over home and auto coverage and include higher liability limits.

A good strategy is to quote the minimum required limits on your home and car policies and ask for an umbrella quote of 1 million over the top of your other policies.  Its often less expensive than simlply having higher coverage limits.

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Contact one of our agents today to get help with personal insurance coverage questions

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