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If your assets exceed your auto and homeowners liability limits, an umbrella policy provides a critical extra layer of protection — typically starting at $1 million.
Start a Free QuoteUmbrella insurance is a standalone liability policy that provides additional coverage over and above the liability limits on your existing homeowners, auto, and other personal insurance policies. It acts as a safety net when a claim exceeds the limits of your underlying coverage.
Life is unpredictable. As much as we plan for the best, sometimes the worst can happen. An umbrella policy ensures that a single catastrophic event doesn't devastate your family's financial future. Coverage typically ranges from $1 million to $5 million or more.
For a complete protection strategy, pair your umbrella policy with adequate homeowners and auto insurance limits.
Imagine you're found liable for causing a car accident with multiple vehicles. The total cost of damages and injuries comes to $850,000. However, the liability limit on your auto policy is only $300,000.
Without an umbrella policy, your insurance would pay $300,000 and you'd be responsible for the remaining $550,000 out of your own pocket. With a $1 million umbrella policy, that gap is covered — protecting your savings, home equity, and financial future.
We compare options across our carrier network so you get the best coverage at the best price.
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Your umbrella extends above your auto liability limits.
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Learn MoreGet a personalized insurance review from our Columbia, MO team.
