What Is Umbrella Insurance and Who Needs It?
Umbrella insurance is an extra layer of liability protection that sits on top of your existing home, auto, or other personal insurance policies. Think of it as a financial safety net. If a claim or lawsuit goes beyond the limits of your primary coverage, your umbrella policy helps cover the difference.
Umbrella insurance is for anyone who wants peace of mind knowing their assets are better protected. You may want to consider it if you:
- Own a home or rental property
- Have significant savings or investments
- Drive regularly or have youthful drivers in the household
- Own recreational vehicles (boats, ATVs, etc.)
- Want added protection against personal lawsuits
Extra Protection for Life’s “What Ifs”
Even the best auto or homeowners insurance policies come with limits. What happens if an accident, injury, or lawsuit costs more than your primary policy covers? That’s where Umbrella Insurance steps in. It provides an additional layer of liability protection, helping safeguard your savings, home, and future when the unexpected happens.
What Does Umbrella Insurance Cover?
An umbrella policy is designed to protect you when the limits of your existing insurance (whether it be auto, home, boat, etc.) are exhausted. Coverage typically includes:
Extra coverage if you’re found responsible for injuries or property damage.
Attorney fees and court costs, even if a claim is groundless.
- Protection if damages exceed your auto liability limits.
Extra coverage for injuries that happen at your home, pool, or rental property.
- Coverage for certain lawsuits tied to defamation, slander, or false statements.
At Winter-Dent, we’ll help you understand how umbrella coverage adds an extra layer of protection—so you’re fully covered when life goes beyond the unexpected.
The Winter-Dent Advantage
When it comes to protecting your lifestyle, the right coverage matters just as much as the right provider.
With us, you get more than a policy. You get a partner who looks out for your future, protecting what matters most.
Ready to Add Extra Protection?
Don’t leave your future to chance. Umbrella coverage is surprisingly affordable and can make all the difference if life takes an unexpected turn.
Let’s build the right coverage together. Start by requesting a free quote today.
Umbrella insurance covers liability costs that exceed your home, auto, or other personal insurance limits. This includes serious accidents, injuries on your property, property damage, legal defense fees, and even certain personal injury claims like libel or slander.
Most policies start at $1 million in coverage and increase in $1 million increments. A good rule of thumb is to choose a limit that protects your total assets and future earnings. Our team at Winter-Dent can help you determine the right amount based on your lifestyle, assets, and risk factors.
Umbrella insurance is valuable if you own a home, have savings or investments, drive regularly, or want extra peace of mind against lawsuits. It’s not just for high-net-worth individuals, it’s for anyone who wants added financial protection.
Yes, umbrella insurance helps cover legal defense costs and damages if you’re sued for an accident, injury, or certain personal claims like defamation. Without umbrella coverage, you’d be responsible for expenses beyond your primary policy limits.
For most, yes. Umbrella insurance offers millions of dollars in coverage for a relatively low cost, often less than a dollar a day. The peace of mind and financial protection far outweigh the small investment.
No. Umbrella insurance must be in place before an incident occurs. Once an accident or lawsuit happens, it’s too late to add coverage. That’s why it’s smart to secure a policy before you need it, so you’re protected when the unexpected happens..
Umbrella insurance is surprisingly affordable. A $1 million policy often costs between $150–$300 per year, depending on your risk factors, number of homes or vehicles, and driving history. Contact our team for a personalized quote.
Need to File a Claim? We’re Here to Help.
Start reporting your claims online
Email Us
info@winter-dent.com
Call Us
(573) 634-2122