Umbrella / Excess Liability Insurance
Extra liability protection that goes beyond your home and auto policies — your financial safety net for worst-case scenarios.
An umbrella policy is additional liability coverage that kicks in when your homeowners or auto policy limits are exhausted. It's your financial safety net for the scenarios that could otherwise wipe out your savings, investments, and future earnings.
Consider this: your auto policy has $250,000 in liability coverage, but you cause an accident that results in $600,000 in injuries. Without an umbrella, you're personally responsible for the $350,000 gap. An umbrella policy covers that difference and protects your assets.
Umbrella coverage is surprisingly affordable — typically $200-$400 per year for $1 million in coverage. It extends over your home, auto, boat, and other policies, and it also covers scenarios your underlying policies may not, such as libel, slander, and false arrest. For anyone with assets to protect, this is one of the smartest and most cost-effective insurance purchases you can make.
Key Features
- Extends liability coverage beyond your home, auto, and other policies
- $1 million to $5 million+ in additional protection
- Covers legal defense costs in addition to the coverage limit
- Provides coverage for libel, slander, and false arrest claims
- Surprisingly affordable — typically $200-$400/year for $1 million
Who Needs This?
- Homeowners and vehicle owners with assets exceeding their policy limits
- Landlords who rent out property
- Business owners who want personal liability protection beyond their business policies
- Anyone with a pool, trampoline, dog, or other attractive nuisances on their property
Ready to Get Umbrella / Excess Liability Insurance Coverage?
Call 303-994-7814 or start your quote online.
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