Umbrella Insurance
Affordable extra liability coverage beyond your home and auto policies — protecting your savings, property, and future earnings from the unexpected.
What's Covered
Extra Protection Beyond Your Standard Policies
An umbrella policy is your financial safety net. It provides additional liability coverage above and beyond your home, auto, and other policies — protecting your assets when the unexpected happens.
Excess Liability Protection
Kicks in when your home or auto liability limits are exhausted. If a claim exceeds your underlying policy, umbrella coverage pays the difference — up to your policy limit.
Legal Defense Costs
Covers attorney fees, court costs, and settlements even if you're not found liable. Legal defense alone can cost tens of thousands — umbrella policies cover this from dollar one.
Homeowner Liability Extension
If someone is seriously injured on your property and the claim exceeds your homeowners liability, your umbrella policy bridges the gap to protect your assets.
Auto Liability Extension
A major car accident can result in claims well over $100,000. Umbrella coverage provides an extra layer above your auto policy limits.
Watercraft & Recreational Vehicles
Extends liability coverage to boats, jet skis, ATVs, and other recreational vehicles that may not be fully covered by standalone policies.
Affordable Peace of Mind
Umbrella policies typically cost $150–$350 per year for $1 million in coverage. It's one of the most cost-effective ways to protect your savings, home equity, and future earnings.
Common Questions
Umbrella Insurance FAQ
Umbrella insurance is one of the most misunderstood — and underused — types of coverage. Here are the questions we hear most from clients across the Midwest.
Anyone with assets to protect — homeowners, landlords, people with savings or investments, parents of teen drivers, dog owners, or anyone who could be sued for more than their standard policy covers. If you have a net worth above your liability limits, you should consider it.
A common guideline is to carry enough umbrella coverage to equal your total net worth — including home equity, savings, investments, and future earnings. Most people start with $1 million, which costs surprisingly little.
Umbrella policies don't cover your own injuries or property damage — they're strictly liability coverage. They also exclude intentional acts, business-related liability (you'd need a commercial policy), and contractual disputes.
Most carriers require you to carry minimum liability limits on your underlying home and auto policies before issuing an umbrella. We help you set the right base limits so everything works together seamlessly.
Typically $150–$350 per year for $1 million in coverage, with additional millions costing $75–$100 each. It's one of the best values in insurance — pennies a day for serious financial protection.
Yes. If you cause an accident and the other party's medical bills, lost wages, and pain and suffering exceed your auto liability limits, your umbrella policy covers the excess amount plus legal defense costs.
Add an Umbrella Policy to Your Coverage
Starting at around $150 per year for $1 million in coverage, umbrella insurance is one of the smartest financial moves you can make. Let us find the right fit.