Umbrella Insurance provides an extra layer of liability coverage beyond the limits of underlying home, auto, or watercraft policies. This type of policy is designed to address higher-value claims that could exceed the limits of standard liability coverage, helping individuals manage large or unexpected exposures.
Understanding Umbrella Insurance
Everyday activities, hosting guests, driving, volunteering, or managing rental property—can expose individuals to potential liability claims.
An umbrella policy extends the liability limits of existing insurance policies and may also broaden coverage to certain situations not included in those base policies.
Examples include:
- Bodily injury or property-damage claims exceeding auto or homeowners limits
- Certain personal-injury claims, such as libel, slander, or defamation
- Legal defense costs associated with covered claims
Because umbrella policies vary by insurer, reviewing the underlying coverage requirements and exclusions is an essential part of selecting appropriate limits.
When Umbrella Coverage May Be Considered
Individuals may evaluate umbrella insurance if they:
- Own property, vehicles, or recreational equipment that could create liability exposure
- Manage rental or vacation properties
- Have significant personal assets or future income at risk
- Participate in community or volunteer activities that involve public interaction
- Seek higher liability limits for peace of mind or contractual obligations
Coverage amounts commonly start at $1 million and can increase in $1 million increments, depending on insurer and eligibility.
Work With an Independent Agent
At Mason-McBride, we understand that insurance is not a 'one size fits all' solution.
As an independent insurance agent, we can compare umbrella policies with several carriers and present you with options suited to you and your family.
Request an Umbrella Insurance Quote
Individuals and families interested in evaluating personal umbrella coverage can request a quote or policy review using the form below.
Proposal Request Form
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