What is Umbrella Insurance?
An umbrella policy is a form of personal excess liability insurance designed to protect you from major claims and lawsuits. It provides an extra layer of coverage above the limits of your standard policies, like homeowners and auto insurance. If your existing liability limits are exhausted, your umbrella policy kicks in to protect your assets from being seized.
What Does Umbrella Insurance Cover?
Umbrella insurance provides broad coverage for a variety of situations that could lead to a significant liability claim, including:
Bodily Injury Liability
Covers costs related to injuries you cause to others, such as their medical bills and lost wages, that exceed your standard policy limits.
Property Damage Liability
Covers the costs of damage you cause to someone else's property, like in a serious auto accident.
Landlord Liability
Provides protection for landlords against liability claims that may occur on their rental properties.
Personal Injury
Covers claims of libel, slander, defamation of character, and other personal lawsuits that are typically not covered by standard policies.
Do I Need an Umbrella Policy?
Take our quick risk assessment quiz to find out
Do you have significant assets to protect?
Do you own property, rental units, or a pool or trampoline?
Do you have teenage drivers or frequently host guests?
Are you active online or in the public eye and could be at risk of defamation claims?
Do you want extra protection from lawsuits stemming from accidents or injuries?
The D&E Insurance Advantage
Navigating your insurance options can be complex. Here's how we make it simple and effective:
Comprehensive Risk Assessment
We do more than just sell policies. Our agents conduct a thorough assessment of your personal assets and potential liability risks to determine the precise level of umbrella coverage you need.
Unmatched Market Access
As an independent agency, we leverage our relationships with numerous top-rated insurance carriers to find you the most comprehensive umbrella coverage at the most competitive price.
Dedicated Client Support
Your peace of mind is our top priority. From answering your questions to providing support during a claim, our team is committed to delivering exceptional service and being your trusted advisor.