Umbrella Insurance · Mesa, Arizona
Extra Liability Protection When It Matters Most
Umbrella insurance adds an extra layer of liability coverage above your home and auto policies for pennies on the dollar.
What Umbrella Insurance Covers
Protect your assets and future earnings with high-limit liability coverage tailored to your lifestyle.
Excess Liability Coverage
Extends liability limits beyond your auto, homeowners, and renters policies when a major claim occurs.
Legal Defense Costs
Covers attorney fees, court costs, and legal expenses when you face a covered lawsuit.
Worldwide Protection
Provides coverage for incidents that happen anywhere in the world, not just at home.
Personal Injury Coverage
Helps protect against claims like libel, slander, or false arrest depending on policy terms.
Rental Property Support
Adds an extra liability layer for landlords or owners of rental properties.
Family Protection
Covers household members, including teens, when they are responsible for a covered incident.
Why Add an Umbrella Policy?
Umbrella insurance helps protect you from life's biggest liability risks.
Affordable High Limits
Get $1M+ in extra coverage for a surprisingly low premium.
Asset Protection
Helps safeguard savings, property, and future earnings.
Broader Peace of Mind
Adds an extra buffer when life throws the unexpected at you.
Gap Coverage
Fills coverage gaps when standard policies hit their limits.
Umbrella Insurance FAQs
Answers to common questions about umbrella coverage
What does umbrella insurance cover?
Umbrella insurance provides additional liability coverage on top of your auto, homeowners, or renters policies. It can help cover large claims, legal defense costs, and certain personal injury claims depending on the policy.
How much umbrella coverage do I need?
Coverage needs vary based on assets, income, and risk exposure. Many families start with $1 million in coverage, but higher limits may be appropriate for high-net-worth households or those with rental properties, teen drivers, or frequent guests.
Is umbrella insurance expensive?
Umbrella coverage is often very affordable for the amount of protection it provides. Pricing typically depends on the coverage limit and your underlying policies, but it is usually a cost-effective way to increase liability protection.
Do I need an umbrella policy if I have renters insurance?
Yes. Renters insurance includes liability coverage, but limits may be lower than the value of your assets. Umbrella coverage adds a higher liability limit and broader protection.
Protect Everything You've Built
Add affordable umbrella coverage to protect your assets and future earnings. We'll shop carriers and find the right limit for you.