Your Home and Auto Policies Have Limits. Umbrella Coverage Picks Up Where They Leave Off.
A serious accident can generate damages that exceed what your existing policies cover. When that happens, you pay the rest out of pocket — unless you have umbrella coverage.
Get a Free QuoteWhat Happens When Damages Exceed Your Policy Limits.
Every home and auto policy has a liability limit — the maximum it will pay if you're responsible for an accident or injury. Those limits are usually enough for minor incidents.
But serious accidents generate serious costs. A liability lawsuit can reach hundreds of thousands of dollars or more. If damages exceed your policy limit, your insurance company pays up to the cap. You pay the rest.
Umbrella insurance adds up to $2 million in liability coverage on top of your existing home, auto, or renters policy. It's a second line of defense for the situations your primary coverage wasn't designed to handle.
What the Numbers Actually Look Like.
These are the kinds of situations that end up in court — and the financial exposure umbrella coverage is built for.
Child injured at your home
Without umbrella coverage, you'd be personally responsible for $900,000.
Pedestrian injured at a crosswalk
A single serious accident can exceed even a well-funded auto policy.
Fire spreads from your condo
You don't have to cause a major incident to be held financially responsible for one.
Most People Assume This Isn't for Them. Most People Are Wrong.
Umbrella insurance has a reputation as something for wealthy people with a lot of assets to protect. That's not quite right.
Anyone can face a liability claim that exceeds their policy limits. The cost of an umbrella policy is typically far lower than people expect. A conversation will tell you exactly what coverage makes sense for your situation.
Your exposure may be higher than you think if you have:
A pool or trampoline
Attractive nuisances — legal term for features that invite injury claims, especially from children.
A dog
Dog bite liability claims average over $50,000. Standard home policies often cap this coverage.
A teenage driver
Young drivers have higher accident rates. Their incidents can exceed your auto policy limits.
A home you own
Your home equity is an asset that can be reached in a civil judgment.
Any savings or investments
If damages exceed your policy limit, personal assets are on the table.
Find Out If You Have a Gap Worth Closing.
We'll look at your current home and auto coverage, walk through your liability exposure, and tell you honestly whether umbrella coverage makes sense — and what it would cost.
Same-day response in most cases. Walk-in appointments welcome at 22 Barker Road, Whitmore Lake.