Umbrella Insurance for Extra Peace of Mind
One Lawsuit Shouldn’t Change Your Life
Umbrella insurance kicks in when your home or auto liability limits max out. Whether you have teen drivers, own rental property, host guests often, or just want to shield your finances, this extra layer of protection is smart, affordable, and increasingly necessary.
Who Should Consider Umbrella Insurance?
Families with young or teen drivers
Homeowners with a pool, trampoline, or dog
Landlords or property managers
High-income earners or professionals
Anyone hosting regular guests or events
People who want peace of mind
How Umbrella Insurance Works
You carry standard auto and homeowners liability coverage—let’s say $300,000. If you’re sued for $1M after a car accident, your umbrella policy covers the remaining $700,000. Without it? That money comes from you.
Real World, Real Risk
Slip-and-fall lawsuit at your rental property
Car accident with injuries beyond your auto limits
Libel or slander claim from social media
Dog bite or pool-related injury
These happen every day—and one umbrella policy can keep you from financial ruin.
Common Questions
How much coverage do I need?
Will this cover my business too?
Can I bundle umbrella with my home and auto?
Umbrella Insurance FAQs
Q: What is umbrella insurance and how does it work?
A: It adds extra liability protection above your home, auto, or rental property policies—kicking in if you're sued for more than your base coverage allows.
Q: Who needs umbrella insurance?
A: If you own property, have teenage drivers, entertain guests, or want to shield your assets, umbrella coverage is an affordable layer of protection.
Q: Does umbrella insurance cover business liability too?
A: Not typically, but we can help structure a commercial umbrella if you own a business or have overlapping personal and professional risks.
Q: Is umbrella coverage mandatory?
A: No, but it can be crucial in lawsuits or catastrophic events—especially when your primary coverage hits its limit.
Coverage Across States
Umbrella protection follows you—even across borders. Whether you’re renting a beach house in NJ or traveling to another state, you’re covered.
