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Umbrella Insurance

Enjoy added liability protection with an umbrella insurance policy. Protecting your assets begins with a quick and easy umbrella insurance quote.

Rather speak with an insurance agent? Call us: (877) 334-7646

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Travelers umbrella Insurance
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NatGen Premier umbrella Insurance

Umbrella insurance – beyond your normal policy’s liability protection

You worked hard to earn what you have and get where you are. Buying your home, all your fun toys and your retirement nest egg didn’t come easy. You don’t often get a second chance to build your life. It makes sense to buy more protection than comes in your normal car or home insurance policy. That’s why an umbrella insurance policy makes sense.

Umbrella insurance is considered a secondary liability policy, or in more simple terms, it’s a way to ensure that, in the event of a car accident, incident at home, or other property that maxes out your car or homeowners insurance limits, you still have liability protection to cover your assets.

Personal umbrella coverage through with one of our insurance carrier partners provides you an additional safety net in case your primary policies are stretched to their limits.

Get a free umbrella insurance quote today! It could help you protect all your assets. Not to mention your rainy-day fund.

Why do I need umbrella coverage?

As your assets increase, so does your exposure to loss. Umbrella insurance typically provides liability coverage above and beyond that of standard home and car insurance policies, allowing you to rest easy, knowing you’re well protected if worse ever comes to worst.

Imagine that you decide to take a relaxed Sunday spin around the neighborhood and, after swerving to avoid a squirrel, end up crashing your brand-new car into your neighbor’s recently remodeled home, demolishing their lovingly cared-for vintage British roadster in the process.

The repair bills quickly mount into the hundreds of thousands, easily surpassing the limits on your car and homeowners insurance policies. You’re being sued to cover the damages, leaving you with thousands more in bills you’ll have to pay out of pocket — unless you have the right umbrella coverage.

What does umbrella insurance cover?

If you’re sued and found to be at fault, your umbrella coverage will take care of certain damages that exceed the limits on your car or home insurance, or other applicable policies.

Personal umbrella coverage can provide:

  • Up to $5 million in liability coverage for qualified applicants
  • Excess coverage for liability claims that have already exhausted renters or homeowners coverage limits
  • Personal liability and personal auto protection
  • Liability coverage for non-owned watercraft and other recreational vehicles
  • Worldwide liability coverage for lawsuits filed in the U.S., including its territories and possessions, Canada, and Puerto Rico.

A typical policy can also cover:

  • Up to 8 drivers
  • Up to 10 vehicles
  • 3 watercraft (under 45′ long and capable of less than 50 mph)
  • An additional 3 personal watercraft (think Jet Skis, etc)
  • Up to 10 property locations

What do I need to get coverage?

There are a few things we consider when you apply for a personal umbrella insurance policy through our partner. To be considered for coverage, you must have the following:

  • A homeowners insurance policy with at least $300,000 of personal liability coverage or tenant coverage (depending on your state)
  • An car insurance policy with limits of $250,000/$500,000 for bodily injury coverage, $50,000 for property damage coverage, and uninsured/underinsured motorist coverage

Let’s Start an Umbrella Quote

We make umbrella insurance quotes easy, quick and simple.

Rather speak with an insurance agent?

(877) 334-7646