Extra Protection When You Need It Most

Your existing insurance policies provide important protection, but serious accidents and liability claims can sometimes exceed the limits of your underlying coverage.

Umbrella insurance provides an additional layer of liability protection that may help protect your finances, assets, and future income when eligible claims exceed the limits of certain underlying insurance policies.

At SecureWay Insurance, we help individuals and families explore umbrella insurance options designed around their assets, lifestyle, and personal liability exposure.

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Coverage availability, benefits, limits, exclusions, deductibles, and pricing vary by insurer, state, underlying policies, and individual circumstances.

WHAT IS UMBRELLA INSURANCE?

Umbrella insurance is designed to provide additional liability protection above the limits of certain underlying insurance policies, such as eligible auto or homeowners insurance.

For example, if you are legally responsible for a covered accident and the resulting liability exceeds the limit of your underlying policy, an umbrella policy may provide additional protection, subject to its terms and conditions.

Umbrella insurance is generally designed to provide an extra layer of protection rather than replace your existing insurance.

OUR UMBRELLA INSURANCE COVERAGE OPTIONS

Additional Liability Protection

Umbrella insurance may provide additional liability limits above the coverage provided by certain underlying policies.

This can be valuable when a serious covered claim exceeds the liability limits of your primary insurance.

Coverage is subject to the policy’s terms, conditions, exclusions, and limits.

Personal Injury Liability Protection

Depending on the policy, umbrella coverage may provide protection for certain covered personal injury claims.

This may include eligible claims involving:

• Libel

• Slander

• Defamation

• False arrest

• Other covered personal injury offenses

Coverage varies by policy and insurer.

Auto Liability Protection

If you’re involved in a serious covered auto accident and your underlying liability limits are exhausted, an umbrella policy may provide additional liability protection, subject to its terms and requirements.

Homeowners Liability Protection

An umbrella policy may provide additional liability protection above eligible homeowners insurance limits when a covered claim exceeds the underlying policy’s limit.

Rental Property Liability Protection

If you own eligible rental properties, umbrella coverage may provide additional liability protection for certain covered claims arising from those properties.

Eligibility and coverage requirements vary by insurer.

Additional Legal Defense Protection

Depending on the circumstances and policy terms, umbrella insurance may help with certain legal defense expenses associated with covered claims.

WHO MAY BENEFIT FROM UMBRELLA INSURANCE?

Homeowners

Homeowners may face liability risks arising from accidents on their property or other covered situations.

High-Net-Worth Individuals

People with significant assets may have more to protect if they face a large liability claim.

Families

Parents may want additional liability protection for certain risks involving family members and household activities.

Landlords

Owners of eligible rental properties may face additional liability exposure associated with their properties.

Frequent Travelers

People who travel regularly may benefit from discussing additional personal liability protection with an insurance professional.

Business Owners

Business owners should distinguish personal umbrella coverage from commercial umbrella or excess liability coverage. Businesses may need separate commercial protection.

WHY CONSIDER UMBRELLA INSURANCE?

Protect Your Assets

A serious liability claim can potentially put significant personal assets at risk. Additional liability protection may help provide another layer of financial protection.

Protect Future Income

Certain liability claims can have financial consequences that extend beyond your current assets.

Protect Your Lifestyle

Your home, savings, investments, and other assets can represent years of work and financial planning.

Prepare for Large Claims

Even careful and responsible people can become involved in unexpected accidents.

Umbrella insurance can provide additional liability limits for certain covered claims.

WHAT CAN UMBRELLA INSURANCE HELP COVER?

Depending on the policy, umbrella insurance may provide additional protection for certain covered liability claims involving:

• Bodily injury

• Property damage

• Certain personal injury claims

• Certain auto-related liability

• Certain homeowners liability

• Certain rental property liability

• Other covered personal liability exposures

Umbrella insurance does not cover every type of loss or liability. Policy exclusions and conditions apply.

WHAT DOES UMBRELLA INSURANCE NOT COVER?

Umbrella insurance is not designed to cover everything.

Depending on the policy, exclusions may apply to:

• Intentional acts

• Certain business-related liabilities

• Certain contractual liabilities

• Damage to your own property

• Certain professional liability claims

• Certain excluded activities

• Other specifically excluded losses

Always review the policy documents to understand applicable exclusions and limitations.

HOW MUCH UMBRELLA INSURANCE DO YOU NEED?

The appropriate amount of umbrella coverage depends on your individual circumstances and potential liability exposure.

Consider Your Assets

Consider the value of your home, savings, investments, vehicles, and other assets.

Consider Your Income

Future income may also be relevant when evaluating your potential liability exposure.

Consider Your Lifestyle

Activities such as owning rental property, hosting guests, owning recreational vehicles, or participating in certain activities may affect your personal liability exposure.

Consider Your Underlying Policies

Umbrella policies generally require certain underlying insurance policies and minimum liability limits.

Consider Your Potential Risks

Think about the situations in which you could potentially face a significant liability claim.

HOW UMBRELLA INSURANCE WORKS

Umbrella insurance generally sits above your existing liability coverage.

For example:

Underlying Insurance → Umbrella Insurance → Additional Liability Protection

If you have a covered liability claim that exceeds the limit of your underlying policy, your umbrella policy may provide additional coverage after the underlying limits have been exhausted, subject to the umbrella policy’s terms and conditions.

UMBRELLA INSURANCE VS. EXCESS LIABILITY INSURANCE

These terms can sometimes be used interchangeably, but they aren’t necessarily identical.

Umbrella Insurance

An umbrella policy may provide additional liability limits and, depending on the policy, may offer broader protection than the underlying policies in certain circumstances.

Excess Liability Insurance

Excess liability coverage generally provides additional limits above an underlying policy but may follow the underlying policy’s coverage terms more closely.

The exact differences depend on the insurer and policy. Review the specific policy before purchasing.

WHAT CAN AFFECT THE COST OF UMBRELLA INSURANCE?

Umbrella insurance can be relatively affordable compared with the amount of additional liability protection it may provide, but premiums vary.

Factors that may affect pricing include:

• Coverage limit

• Location

• Number of vehicles

• Drivers in the household

• Driving history

• Homeownership

• Rental properties

• Recreational vehicles

• Claims history

• Underlying insurance coverage

• Selected coverage options

• Insurance company underwriting factors

The best way to determine your actual premium is to request a personalized quote.

REQUIREMENTS FOR UMBRELLA INSURANCE

Umbrella insurance generally requires you to maintain certain minimum liability limits on your underlying insurance policies.

Depending on the insurer, you may need eligible:

• Auto insurance

• Homeowners insurance

• Renters insurance

• Boat insurance

• Rental property insurance

• Other qualifying underlying policies

Specific requirements vary by insurer and policy.

WHY CHOOSE SECUREWAY INSURANCE?

Personalized Guidance

We help make umbrella insurance easier to understand so you can make informed decisions about your liability protection.

Coverage Options

Explore additional liability protection based on your assets, lifestyle, underlying insurance, and circumstances.

Straightforward Service

We explain insurance in clear, easy-to-understand language.

Extra Protection

Umbrella insurance can provide an additional layer of liability protection above certain underlying policies.

Support When You Need It

We’re here to help you understand your options and navigate your umbrella insurance needs.

GETTING UMBRELLA INSURANCE IS SIMPLE

1. Tell Us About Your Situation

Provide information about your assets, vehicles, property, existing insurance, and liability concerns.

2. Review Your Existing Coverage

Your underlying insurance policies and liability limits are important when determining your umbrella insurance options.

3. Explore Your Options

Review available umbrella limits, requirements, deductibles, exclusions, and pricing.

4. Choose Your Protection

Select coverage that fits your circumstances and potential liability exposure.

5. Enjoy Added Peace of Mind

Once your policy is issued and active, maintain your underlying insurance and umbrella coverage according to their terms and requirements.

FREQUENTLY ASKED QUESTIONS

What is umbrella insurance?

Umbrella insurance provides an additional layer of liability protection above certain underlying insurance policies, subject to the umbrella policy’s terms, conditions, exclusions, and limits.

Who needs umbrella insurance?

Anyone with significant assets, income, property, or liability exposure may want to consider umbrella insurance. The appropriate amount depends on individual circumstances.

Is umbrella insurance required?

Umbrella insurance is generally optional, although your insurer may require certain underlying insurance policies and minimum liability limits to qualify.

Does umbrella insurance cover my home?

Umbrella insurance is primarily liability coverage. It generally does not replace homeowners insurance or provide direct coverage for physical damage to your home.

Does umbrella insurance cover auto accidents?

An umbrella policy may provide additional liability protection for certain covered auto accidents after the underlying auto liability limits have been exhausted.

Does umbrella insurance cover rental properties?

Depending on the policy and insurer, umbrella coverage may provide additional liability protection for certain eligible rental properties.

Does umbrella insurance cover my business?

Personal umbrella insurance generally isn’t designed to replace commercial liability insurance. Business owners may need commercial umbrella or excess liability coverage instead.

How much umbrella insurance should I have?

The appropriate amount depends on your assets, income, lifestyle, underlying policies, and potential liability exposure. An insurance professional can help you evaluate your needs.

How can I get an umbrella insurance quote?

Click Get a Quote and provide information about your existing insurance, assets, vehicles, property, and coverage needs. Available options and pricing will depend on your circumstances and applicable insurer guidelines.

READY FOR AN EXTRA LAYER OF PROTECTION?

Protect What You’ve Built. Prepare for the Unexpected.

Your existing insurance provides important protection. An umbrella policy can add another layer of liability coverage when you need more protection.

Let SecureWay Insurance help you explore umbrella insurance options designed around your assets, lifestyle, and individual circumstances.

UMBRELLA INSURANCE DISCLAIMER

Umbrella insurance products, coverage availability, eligibility, benefits, premiums, deductibles, limits, exclusions, underlying insurance requirements, and policy terms vary by state, insurance company, and individual circumstances.

Information provided on this website is for general informational purposes and does not constitute financial, legal, or insurance advice, nor does it guarantee coverage or policy approval. Actual coverage is determined by the terms and conditions of the applicable policy.