Umbrella Insurance
The ultimate layer of added protection.
Umbrella insurance is extra liability coverage that sits above your home and auto. It's the layer that protects your savings, your home, and your future income when a serious claim blows past your other limits. It's also the most coverage you can buy per dollar.
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Unique risks · Since 2007.
where home and auto run out
Your auto policy stops at $500,000. A lawsuit doesn't.
A serious at-fault accident — multiple injuries, lost wages, long-term care — can run well past the liability limits on a standard home or auto policy, which often top out somewhere between $250,000 and $500,000.
When a judgment exceeds those limits, the difference doesn't disappear. It comes from your savings, your home, and even your future paychecks, which can be garnished for years. The verdict doesn't stop at your policy limit.
An umbrella adds a million dollars or more on top of what you already carry — plus the legal defense to fight the claim in the first place.
umbrella insurance
Serious exposures require serious coverage.
Beyond your auto policy limits
An at-fault accident where the injuries, medical bills, and lost income add up past your auto liability. Umbrella picks up where that limit ends, into the millions.
Above and beyond the homeowners policy
Someone hurt on your property — a fall on the steps, the pool, a dog bite, a guest injured at a party. The claims that quietly exceed a homeowners policy.
The unexpected lawsuit
Libel, slander, defamation, false arrest, including something posted online. The personal-injury claims a standard policy was never built to handle.
Legal defense is expensive
The cost of defending you, often paid on top of the coverage limit, so fighting a claim doesn't eat into the protection you bought to cover it.
Our point of view
Umbrella insurance protects your future, not just your stuff.
Most people think of liability as protecting what they own today. But a judgment can reach tomorrow's income too, wages garnished for years after. Umbrella is one of the few policies that protects money you haven't even earned yet.
It's also the best value in insurance, full stop. A million dollars of coverage usually runs a few hundred dollars a year, because catastrophic claims are rare, but ruinous when they land. So we'd rather you carry a little more than you think you need.
We size umbrella to your net worth and your income because when a lawsuit comes looking, it looks at both.
Case Studies
Real claims. Real outcomes.
These are real claims from real clients. The names changed, but the situations didn't. This is what umbrella insurance is for.
The Teen Driver
CASE STUDY
Thomas's son was at fault in a three-car accident his junior year. Medical bills and lost wages for the other drivers totaled $1.2M. Their auto policy covered the first $300K. The umbrella absorbed the rest.
THE OUTCOME
No lawsuit. No asset liquidation. Their retirement account and home equity stayed intact.
The Contractor Claim
CASE STUDY
A plumber working at Maria's home slipped on the stairs and filed suit. Her homeowners liability topped out at $100K. The claim settled at $475K. Her umbrella covered the gap without a single out-of-pocket dollar.
THE OUTCOME
Settled in full. Her savings never came up in the conversation.
The Online Comment
CASE STUDY
Kevin left a one-star review that the business owner considered defamatory. Legal defense alone ran $80K before the case was dismissed. His umbrella covered the attorney fees from day one.
THE OUTCOME
Full legal defense, covered. Kevin paid nothing out of pocket.
FAQ
Umbrella questions and answers.
If yours isn't here, call (301) 431-0000 and ask for an advisor. No phone tree.
Ready when you are
Let's take a look at what you've got.
A real review of your current coverage. No deck, no pressure, and usually some money saved along the way.