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Personal Liability Insurance Quote Form

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If you happen to have a copy of your current auto insurance declarations page, feel free to attach it here. You can obtain an electronic copy of your declarations page from your current insurer.

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Whether it's a serious at-fault car accident or an incident on your property, you can quickly find yourself responsible for damages that exceed the limits on your auto, homeowner, renter, or boat policy. Although many people believe that the other party involved in the accident will settle for a number that is within their policy limits, the truth is that people can pursue you for both your current and future assets. In the blink of an eye, a large lawsuit could jeopardize your home, car, property, savings, investments and even your future income. In most cases, an umbrella policy will provide additional coverage to help.


Bodily Injury and Property Damage- Expenses resulting from an accident that exceeds the amount of your car insurance liability limits.

Bodily Injury - In the event of an accident at your home that exceeds the amount of your homeowner insurance liability limits.

Attorney Fees - Legal defense fees are also covered, win or lose, for all claims covered by y our personal umbrella and not covered by your underlying insurance policy. Some examples are invasion of privacy, libel, slander, and defamation of character.

Anywhere In The World - For certain types of liability claims, an umbrella policy covers not just you but your spouse and all family members living in your household while traveling anywhere in the world. For example, your automobile insurance policy may not cover you while driving in a foreign country, but your umbrella policy may.

Coverage Options - Umbrella insurance is available in $1 million increments up to a maximum of $5 million. We can offer personal advice about product availability and how much coverage is right for you.

Umbrella Insurance FAQ

What is umbrella insurance?
Umbrella insurance is a secondary coverage that protects more than one property or asset with an extra layer of liability protection. It kicks in when your underlying or primary policy doesn't provide sufficient liability protection. An umbrella policy provides an additional layer of liability protection that can be used with any of your other policies including your boat, motorcycle and RV.

When would I need umbrella insurance?
Imagine if your dog were to bite a neighbor's child or if there's a fire in your condo that spreads to other units. What would happen if you or a family member missed a stop sign and struck and killed a pedestrian? If any of these things happen to you, there is a good chance that your current liability limit wouldn't be adequate to protect your assets or your future earnings from the ensuing lawsuit.

How much coverage do I need?
A lot of factors determine the amount of coverage you need. Your financial status, lifestyle, and existing coverage are all relevant. In liability lawsuits, a judgment could exceed your net worth. Talk to us for advice on the amount of coverage that is right for you.

Can I get just an umbrella policy?
To qualify for umbrella insurance coverage, you must also carry auto insurance with a certain amount of liability coverage. Other policies you have must also meet certain minimum liability coverage levels and other conditions may also apply.

Enjoy peace of mind

For less than a dollar a day, you could receive an additional $1 million in coverage.
In many cases, you can purchase up to $10 million in coverage.

Call us today about adding this important extra layer of protection.

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