COVERAGE FOR YOUR LIFE
Umbrella Insurance
Umbrella insurance provides an additional layer of liability protection beyond your auto, home, or other policies. It kicks in when your underlying policy limits are exhausted — protecting your assets and future earnings.
Explore your coverage options
Coverage options vary by policy and location. Beth can help you review limits, deductibles, and exclusions before you choose.
Common Questions
When does umbrella insurance kick in?
Umbrella coverage activates when the liability limits on your underlying policy (auto, home, etc.) are exhausted. It provides additional protection above and beyond those limits.
How much does umbrella insurance cost?
Umbrella insurance is surprisingly affordable — often $150-$300 per year for $1 million in coverage, since it only pays after your other policies' limits are reached.
Who needs umbrella insurance?
Anyone with significant assets, a high-profile occupation, or substantial risk exposure should consider umbrella coverage. It's especially important if you own property, have a pool, or employ domestic workers.