Umbrella insurance: extra liability protection when it matters most
A serious accident can exceed your home or auto liability limits. An umbrella policy adds a layer of protection above them, often starting at $1 million.
Why shop umbrella coverage with us
- Quotes from several carriers, side by side
- Plain-English advice on limits and deductibles
- Help from a local office when you have a claim
What an umbrella policy can include
Excess liability
Kicks in when a covered claim exceeds the liability limits on your home, condo, renters, auto, or boat policy.
Broader protection
Some umbrellas cover claims your underlying policies don't, such as certain libel or slander claims.
Legal defense
Helps pay defense costs for covered claims, which can be substantial on their own.
Coverage varies by carrier and policy. We'll walk you through exactly what yours includes.
How umbrella coverage works
Your home and auto policies pay first, up to their limits. If a claim goes beyond them, the umbrella pays the rest, up to its limit. We line up all of your policies so the limits fit together without gaps.
Umbrella insurance questions
Who needs an umbrella policy?
Anyone with assets or future income to protect: homeowners, families with teen drivers, people with pools or dogs, landlords, and anyone who coaches or volunteers.
Do I need higher limits on my other policies first?
Yes. Umbrella carriers require minimum liability limits on your auto and home policies. We set those up together.
Is umbrella insurance expensive?
Usually not, compared with the protection it adds. We'll quote it alongside your home and auto so you see the total.
Ready to see what you could save?
It takes about three minutes, and there's no cost or obligation.
Rather talk it through? Call (508) 535-5303
Monday to Friday, 9:00 am to 5:00 pm