One serious accident can exceed your auto or home liability limits — and everything you’ve built is what’s left exposed. An umbrella policy adds an affordable extra layer, starting at $1 million.
Coverage terms, limits, and exclusions vary by carrier and policy form. We walk you through exactly what is and isn’t covered before you bind — no fine-print surprises.
A common starting point is enough to cover your net worth plus future earnings. For most families that means $1 million to $3 million.
Your own property damage, business liability, and intentional acts. It extends personal liability — it is not a catch-all.
Yes. Carriers require minimum underlying home and auto liability limits before an umbrella attaches. We coordinate all of it so no gap opens.
Often yes, if those exposures are scheduled and the underlying policies meet requirements. Tell us everything you own and we build it in.
Tell us a little about what you’re protecting. We’ll come back with options and real pricing — no obligation.