Umbrella insurance is intended to provide an additional layer of personal liability coverage beyond the limits of underlying home, auto, or watercraft policies.
This coverage is designed to help address larger or more complex liability claims that may exceed standard policy limits.
For individuals and families with evolving lifestyles, multiple assets, or increased responsibility, umbrella insurance is often considered as part of a broader personal risk strategy.
Understanding Umbrella Insurance
Everyday activities such as driving, hosting guests, volunteering, or managing property can create potential liability exposure. While home and auto policies include liability coverage, those limits may not always reflect the severity of certain claims.
An umbrella insurance policy extends the liability limits of qualifying underlying policies and, in some cases, may provide coverage for specific situations not included in base policies.
Examples may include:
- Bodily injury or property damage claims that exceed homeowners or auto liability limits
- Certain personal injury claims, such as libel, slander, or defamation, depending on the policy
- Legal defense costs associated with covered liability claims
Because umbrella policies vary by insurer, reviewing coverage terms, exclusions, and underlying policy requirements is an important part of evaluating appropriate limits.
When Umbrella Coverage May Be Considered
Umbrella insurance is often reviewed when individuals or families:
- Own one or more homes or rental properties
- Own multiple vehicles or specialty vehicles such as boats or recreational equipment
- Host guests or participate in social or community activities
- Serve on boards or volunteer with organizations
- Coordinate coverage across multiple insurance policies
- Want additional liability protection beyond standard policy limits
Coverage amounts commonly begin at one million dollars and may increase in one million dollar increments, subject to eligibility and insurer guidelines.
Working With an Independent Agent
As an independent insurance agent, Mason-McBride Insurance can compare umbrella insurance options from multiple carriers and help evaluate coverage structures that fit your situation.
Request an Umbrella Insurance Quote
A review can help confirm how umbrella coverage coordinates with existing home, auto, and other personal insurance policies.
"*" indicates required fields