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Umbrella Insurance
Affordable Protection for the “What Ifs” in Life
Most people think a personal umbrella policy is expensive or unnecessary, until something big happens.
For just a few dollars a month, it gives you extra liability coverage that can protect your home, income, and future when your auto or home policy isn’t enough.
Umbrella Insurance Protects What Your Main Policies Cannot
A single accident or lawsuit can exceed the limits of your home or auto insurance, leaving your savings and future earnings exposed. Umbrella coverage adds an extra layer of protection when things go from bad to worse.
What Makes Umbrella Insurance Unique:
High Limit Liability Protection
Extends your coverage by millions, not thousands.
Covers Legal Defense Costs
Pays for attorneys and court fees, even if you are not at fault.
Protects Your Future Earnings
Shields your income and assets from lawsuits that go beyond basic policy limits.
Real Situations Where Umbrella Insurance Makes a Difference
Umbrella insurance protects you when your home or auto coverage runs out. These real-life examples show how one unexpected moment could have serious financial consequences.
Major Auto Accident
You cause a crash that results in serious injuries and a settlement that exceeds your auto liability limit. Umbrella coverage pays the difference and protects your assets.
Injury on Your Property
A guest slips on your steps, suffers a major injury, and sues. Your homeowners policy falls short, but your umbrella coverage fills the gap.
Defamation or Libel Claim
You post a negative review about someone online or make a public comment that leads to a lawsuit. Your umbrella policy helps cover legal defense costs and any settlement beyond what your primary policy includes.
Ready For An Umbrella Policy? Make Sure You’re Eligible First
An umbrella policy doesn’t work on its own, it needs a solid foundation. That means your auto and home insurance must meet certain minimum limits before umbrella coverage can kick in.
Most people simply stack it onto their auto policy, but if your current carrier doesn’t offer one, we’ve got standalone options ready.
Either way, you’ll have that extra layer of protection in place before life throws something big your way.
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Our Simple process
Switch With Confidence. We’ll Handle the Rest.
Getting the right insurance should not be confusing or stressful. With our four-step process, you get protection you can trust and the confidence of knowing that when disaster strikes, so that you know you are covered the right way.
Start With a 15-Minute Call
No one else has your exact life, your business, or your priorities. On this call, we dig into what matters most to you and build a policy around it. No generic quotes. No guessing. Just coverage that’s right for you.
Know Your Options. Protect What Matters.
We check with 40+ A-rated carriers and send a simple video that explains your best coverage options, so you can choose confidently without feeling rushed or pressured.
Make a Confident Choice
After reviewing your options, we make adjustments as needed so your policy fits just right. No more paying for the wrong coverage or putting off peace of mind.
Switch With Confidence. We’ll Handle the Rest.
Forget the hassle of starting over. We make sure your new coverage is in place and your transition is seamless, because getting protected should feel easy.
Answers you can trust, whenever you need them.
Explore Umbrella Insurance in the Learning Center
Insurance shouldn't feel confusing. Our Learning Center gives you clear, helpful information so you can make confident choices about your coverage.
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