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When life hits you hard, Personal Umbrella Insurance can help carry the weight.
At Collings Insurance Brokers, we understand there are times when your standard policy limits simply aren’t enough. An umbrella policy provides coverage above and beyond your home and auto insurance, offering a cost-effective way to safeguard against large liability claims. This added protection extends across multiple policies — from your home to your vehicles and more — ensuring you’re covered when the unexpected happens. Our team takes the time to understand your needs and tailor an umbrella policy that gives you confidence and peace of mind.
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How Personal Umbrella insurance can protect you.
Umbrella coverage steps in after your standard policy limits are exhausted, giving you added protection when you need it most.
Umbrella insurance is an affordable way to increase your protection, since one policy raises your liability limits across home, auto, and more—without the added cost of boosting each policy separately.
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Coverage for what’s important to you
Personal Umbrella Insurance offers additional protection against the following:
- Large liability claims
- Legal expenses
- Accidents involving owned vehicles
- Incidents on your property
- Claims that cross policy types
Frequently Asked Questions
Umbrella insurance is useful if you have significant assets, host guests at your home, own a rental property, or drive frequently. It provides extra liability protection if you’re ever involved in a major accident or lawsuit where damages exceed your standard policy limits.
Umbrella coverage is surprisingly affordable. Because it only activates after your underlying policies are exhausted, the premium is typically much lower than increasing limits on multiple individual policies.
No. Umbrella insurance extends liability coverage, but it doesn’t replace your underlying policies or cover your own property damage. It also excludes certain risks, such as business-related liability, unless specifically endorsed.