Personal Umbrella Insurance

Add a Layer of Security Above Your Home and Auto with a personal umbrella policy

A personal umbrella policy adds an extra layer of liability protection above your existing home, auto, or other personal insurance policies. But what does that really mean for you?

Imagine you’re driving on a rainy night and traffic suddenly stops. Due to the slick conditions, you’re unable to brake in time and rear-end the car ahead, seriously injuring the passengers. Their medical bills total $720,000. Your auto policy covers $500,000 and the vehicle damage—but you’re still responsible for the remaining $220,000.

That’s where an umbrella policy steps in.

Umbrella insurance helps cover the costs that exceed your primary policy limits, including medical expenses, legal fees, and settlements. Without it, those remaining costs could come out of your savings, investments, or even future earnings.

With an umbrella policy in place, that $220,000 gap—and associated legal costs—would be covered, helping protect your financial future.

Even better, umbrella coverage can extend over multiple policies, including your home, auto, and recreational vehicles like boats, motorcycles, and more—providing broad, flexible protection wherever life takes you.

Personal Umbrella Policy

COVERAGE SNAPSHOT

Why should you add umbrella insurance to your policy?

$500,000 in liability coverage may sound like a lot—but in today’s world, it can be used up quickly. Emergency care, surgeries, rehabilitation, lost income, and pain and suffering can add up fast. When multiple people are involved, costs can easily exceed your standard policy limits.

That’s where a personal umbrella policy makes a difference.

An umbrella policy provides additional liability protection once your underlying home or auto limits are exhausted. It’s a key part of a smart risk management strategy, giving you an extra layer of financial security when you need it most.

Without this added protection, you could be responsible for paying anything above your policy limits out of pocket—putting your savings, assets, and even future income at risk. And umbrella coverage goes beyond just auto accidents, helping protect you from a wide range of potential liability claims.

The best part? This added peace of mind is surprisingly affordable—often costing as little as about a dollar a day.

 

Why Choose Us

With more than 25 years of experience, we deliver personalized service and trusted guidance you can depend on.

As an independent insurance broker, we work with leading national and regional carriers that understand the unique needs of condominium associations. Our team takes the time to learn about your operations, identify potential exposures, and craft coverage that helps protect your property, employees, and bottom line.

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What to Expect from us:

  • Local Expertise – Proudly serving Chicago and surrounding communities for over 25 years.

  • Access to Top Carriers – We compare multiple insurance companies to find you the best value and protection.

  • Claim Support You Can Count On – When life happens, we’re here to help you navigate the process with confidence and care.

25+

Years of experience & counting.

Allianz
The Hanover Insurance Group
The Hartford
Liberty Mutual
National General
Nationwide
Openly
Safeco Insurance
Travelers
Vault
AIG

Frequently asked questions

The right amount of umbrella coverage depends on several factors, including your assets, income, lifestyle, and current insurance limits.

It’s important to keep in mind that liability claims can sometimes exceed your net worth—putting your savings, investments, and future earnings at risk.

That’s why it’s smart to work with a trusted independent agent who can help you evaluate your exposure and recommend a coverage limit that fits your needs and provides the right level of protection.

Umbrella policies start at $200 per year, but pricing varies based on your specific situation and coverage needs. Typically, the base premium includes protection for you and your household, your primary residence, and one vehicle.

Additional exposures—such as multiple vehicles, rental properties, boats, motorcycles, ATVs, or other recreational assets—can increase the cost, since they are also covered under the policy.

In general, carrying higher liability limits on your underlying policies can help lower the cost of your umbrella coverage. For example, increasing your auto liability limits to a $500,000 combined single limit may reduce your overall umbrella premium—while also strengthening your total protection.

Yes.  Please reach out, and we will be happy to provide you with a proposal.

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