Umbrella insurance with an agent
Umbrella insurance helps protect assets like your car, home, investments and retirement accounts. Reach out to one of our agents today to learn more about an umbrella policy. Call 800-835-0894 to start your quote.
Our insurance agents can find you the best umbrella policy
Comparion local licensed agents know the insurance world inside and out. They will guide you through the complex process of finding the right umbrella insurance coverage - and help you save money, too!
Quote with an insurance agent
What is umbrella insurance and who needs it?
Umbrella insurance provides extra liability protection above the limits of your auto, home, or condo policies and is recommended for homeowners, landlords, professionals, and anyone with significant assets or litigation exposure.
It protects against large jury awards, libel/slander claims, and costly lawsuits.
Start my umbrella quoteHow does umbrella insurance work with auto and home policies?
Umbrella insurance activates after the underlying auto or home liability limits are exhausted and can also fill gaps in liability coverage like certain lawsuits or legal defense costs.
You must maintain the required underlying liability limits to qualify for umbrella coverage.
Start an umbrella quoteWhat does umbrella insurance cover?
You should buy enough umbrella insurance to cover the difference between your assets and your underlying policies. Keep in mind if you are sued and must go to trial, juries may award substantially more than the expected damages if they deem the negligence to be egregious. A Comparion agent can help you find the best umbrella coverage for you.
Which umbrella insurance offers the best value for me?
Comparion local licensed agents can quote with many insurance companies and help you select the right policy with the best value comparing coverages, deductibles and other options.
FAQs about umbrella insurance
An umbrella or excess liability policy provides additional personal liability protection for yourself and household family members. In the event your liability limits are exhausted on your other home or auto policies, the umbrella may payout for claims where you are deemed to be negligent or liable. Your associated attorney fees may also covered.
If you have assets like a home, a car, and savings, you probably need an umbrella policy to protect them.
Most people start with $1 million in umbrella coverage and consider higher limits (2-5+ million) based on net worth, future earnings, rental properties, and risk exposure. Choose limits that protect your assets and anticipated income.
Carriers typically require minimum underlying limits such as $250k-$500k per person/per accident for auto and at least $300k or more for homeowners, but requirements vary by insurer. Your agent will confirm the exact underlying limits needed before issuing an umbrella.
Umbrella policies often extend to personal rental property liability but usually exclude business liabilities; commercial umbrella policies or specialized business liability coverages are needed for active business operations. Discuss rental income and business activities with your agent to structure proper coverage.