The Insurance Shop is a full-service independent agency with national expertise and markets for personal umbrella insurance coverage.  We write umbrella insurance policies throughout the country.  We typically recommend umbrella insurance to all homeowners or anyone with assets worth protecting.

Personal Umbrella Insurance: 

Personal umbrella insurance is a type of liability policy that protects the assets and future income of the policyholder above and over the standard limits placed on their primary home, renters, and auto policies.

Umbrella coverage is pure liability coverage sold in increments of one million dollars.  The term "umbrella" refers to the fact that umbrella policies cover liability claims from all policies beneath it.  If an insured has a 1,000,000 liability limit on their homeowners policy and a $1,000,000 limit on their umbrella policy, the effective limit of coverage would be $2,000,000.

Umbrella insurance policies also cover broader exposures beyond standard home and auto polices such as false arrest, libel, slander, and invasion of privacy.

Please choose a link below to help us better serve your needs and interest regarding personal umbrella insurance: