Umbrella Insurance
One serious accident or lawsuit can exceed the liability limits on your auto or home policy — and everything above those limits comes out of your pocket. An umbrella policy adds an extra layer of protection, usually a million dollars or more, for less than most people expect.
Prefer to talk it through with a real person? Call us at 919-341-0606 — we answer Monday through Friday, 8:30 am to 5:30 pm, right here in Garner.
How an Umbrella Policy Works
Umbrella insurance sits on top of your existing auto, home, or boat policies. When a covered liability claim exhausts those underlying limits, the umbrella takes over — covering judgments, settlements, and legal defense costs. It can also respond to claims standard policies often miss, such as libel, slander, or false arrest.
Why Add Umbrella Coverage
- Lawsuits are expensive — a single at-fault accident with injuries can produce claims well beyond typical policy limits.
- It protects your future — savings, home equity, and even future wages can be at risk in a large judgment.
- It’s affordable — $1 million in additional coverage often costs just a few hundred dollars a year.
- One policy, broad reach — a single umbrella extends over multiple underlying policies.
Who Should Consider It
Umbrella coverage isn’t just for the wealthy. If you own a home, have teen drivers, host guests, own a dog, have a pool, or simply have assets and income worth protecting, an umbrella policy is one of the best values in insurance.
Frequently Asked Questions
How much does a $1 million umbrella policy cost?
For many North Carolina households it runs a few hundred dollars a year — typically far less than people guess for the amount of protection involved.
Are there requirements to qualify?
Carriers require minimum liability limits on your underlying auto and home policies. We’ll check your current limits and line everything up in one review.
Does an umbrella cover my business?
Personal umbrellas cover personal liability. For business exposure, ask us about commercial umbrella coverage.
Add a Million Dollars of Peace of Mind
Let’s check your current limits and price an umbrella that fits. Insure with You!