Umbrella Insurance 101

Your policies cover most things, but life has a habit of throwing curveballs. Rest easy knowing your peace of mind is covered. Learn how an umbrella can offer extra protection for your other insurance policies.

• How does umbrella insurance work?

  An umbrella policy builds on the coverage of your existing car insurance, home insurance, and renters, or recreation insurance.

  If you cause injuries or damage to someone else and max out the liability limit in your existing policy, umbrella insurance can provide additional coverage, adding a layer of protection for your finances.

• Who needs umbrella insurance?

  Anyone with income or assets they want to protect — a home, a boat, investments, savings, rental properties — could benefit from umbrella insurance. 

• What is not covered by an umbrella policy?

  Coverage in an umbrella policy varies, but some of the most important and common exclusions include:

  • Your own injuries in a car accident, unless you have  certain additional coverages one your umbrella  

  • Damage to your car, home or other personal property 

  • Damage caused because of a criminal or intentional action  

  • Any liability that you take on in a contract or waiver 

  • Your business activities (but separate umbrella insurance is available for businesses)

Ready to meet with an umbrella insurance expert?