Personal Insurance / Umbrella
Personal Umbrella Insurance
An umbrella is the best-value policy in personal insurance and the one fewest people carry. It sits above your auto and home liability limits and takes over when a claim runs past them, which is the scenario where a household actually loses something it cannot replace.
What It Covers
The parts of the policy, in plain terms.
Excess liability
Takes over when an auto or home liability claim exhausts the underlying limit. Typically written in million-dollar increments.
Legal defense
Defense costs are generally paid in addition to the limit, not out of it, which matters because defense alone can run into six figures.
Broader than the policies beneath it
Many umbrellas respond to things a home policy will not, such as libel, slander and false arrest.
Follows you
Coverage generally applies to the whole household and to incidents away from home, including many that happen while travelling.
How it plays out
A teenage driver in your household causes a multi-car accident with serious injuries. The auto policy pays its limit and stops. Everything past that is the household's, unless an umbrella is sitting there.
Frequently Asked Questions
Umbrella Insurance questions we get.
How much does an umbrella policy cost?
Do I need one if I do not have much money?
Does it cover my business?
What Clients Say
Trusted by your neighbors.
Dave is an amazing agent, and Kim is great too. They both worked very hard to get me the best rates. I felt they had my best interest at heart, not just what was good for them.
I just finished buying a house. My previous agent couldn’t find coverage for it. My realtor told me that “Dave always has an answer for her problems.” She couldn’t have been more right.
I highly recommend David Bartal. David took the time to listen to my circumstances and worked efficiently to get me quotes quickly. Within minutes, I had both my vehicles insured at a price I could actually afford. A very happy and satisfied customer.
Also worth a look
Other coverage we write.
Auto Insurance
Coverage shopped across multiple carriers, with real limits explained in plain terms.
Home Insurance
Coverage for the structure, your belongings, and the liability that comes with owning a house.
Condo Insurance
Fills the gap between the association's master policy and everything inside your unit.
Renters Insurance
Your belongings and your liability, even though the building is not yours.
Flood Insurance
Separate coverage for rising water, which no home or renters policy includes.
Motorcycle Insurance
Cruisers, sport bikes, touring and off-road, with custom parts actually accounted for.
Let's get you a real number.
Tell us what you're insuring and David will shop it across our carriers. No obligation, and no pressure if your current policy turns out to be the better deal.
Independent agency / 10 carriers on file