Mother and Daughter under umbrella

What Is Umbrella Insurance?

Picture this, you’re having a really good hair day and then all of a sudden the sky opens up and it starts pouring rain, like cats and dogs type rain, and you’re stuck in the middle of it. And of course, it’s the day you accidentally left your umbrella at home. Go figure.

So, what does this have to do with umbrella insurance? Well, nothing… but also kind of everything. Sometimes things are going great (like a good hair day) and then all of a sudden something bad happens. Now imagine that “something bad” is really bad and you’re not protected. That’s where umbrella insurance comes in.


An umbrella policy provides additional layers of liability protection. (Liability is the state of being responsible for something.) If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The price you’ll be paying per month is minimal and could cost as low as $12.

What does umbrella coverage include?

An umbrella insurance policy pays some claims not covered by your home, auto, or other insurance coverage. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world. Legal fees are also paid under umbrella policies.

Personal Umbrella insurance can be applied to events like:

  • Auto Accidents
  • Accidental injuries on your property
  • Accidents involving your boat, ATV, or other recreational vehicles
  • Defense fees and other legal costs
  • Personal Injury Coverage for claims of libel, slander, and more

Since Personal Umbrella Insurance will vary depending on your individual coverage needs, it’s important to discuss your options with one of our Insurance Guides. Contact us today to get your free quote on umbrella insurance.

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