Standard policies provide foundational coverage. Umbrella insurance adds an additional layer of liability protection when claims exceed those limits.
What Is Umbrella Insurance?
Umbrella insurance extends liability protection beyond home, auto, or other personal policies.
When Does Umbrella Insurance Make Sense?
Significant Assets
Higher asset levels increase exposure to liability claims.
Property Ownership
Rental or secondary properties introduce additional risk.
Teen Drivers
Auto-related liability can exceed standard limits.
Frequent Entertaining
Guest-related injuries can lead to liability claims.
Public or Online Presence
Exposure extends beyond physical risks.
What Umbrella Insurance Covers
• Bodily injury liability
• Property damage liability
• Legal defense costs
What It Does Not Cover
• Personal property damage
• Business liability (unless endorsed)
• Intentional acts
How Much Coverage Is Needed?
Coverage depends on:
• Net worth
• Income
• Lifestyle and exposure
Frequently Asked Questions
How much umbrella insurance do I need?
Coverage should align with total assets and exposure.
Does umbrella insurance cover lawsuits?
Yes, within policy limits and covered claims.
Is umbrella insurance expensive?
It is often cost-effective relative to the additional protection provided.
Speak with our Sanger & Altgelt team to determine whether umbrella coverage aligns with your overall risk strategy.
