Personal Umbrella Insurance

Personal umbrella insurance provides an extra layer of liability protection above your existing auto, home, condo, renters, boat, or other personal insurance policies. It can help protect your savings, income, and assets if a covered claim exceeds the liability limits on your primary policy.

At Annagard Insurance Agency, we help individuals and families compare personal umbrella insurance options designed to provide broader financial protection and peace of mind.

Get A Quote Call Now

Why Families Choose Annagard For Umbrella Insurance

We make umbrella insurance easier to understand with personalized guidance, competitive carrier options, and coverage tailored to your assets, lifestyle, and liability exposure.

1

Personalized Coverage

Protection designed around your home, vehicles, assets, and lifestyle.

2

Multiple Carrier Options

Compare coverage solutions from trusted insurance companies.

3

Responsive Support

Professional guidance before, during, and after your policy purchase.

What Our Clients Say

We’re proud to help individuals, families, and businesses find insurance solutions they can rely on.

Coverage Options

Personal Umbrella Insurance Coverage Built For Extra Protection

Excess Liability Coverage

Provides additional liability protection when a covered claim exceeds the limits of your underlying auto, home, condo, renters, or boat insurance policy.

Auto Liability Extension

May provide extra protection if you are responsible for a serious auto accident and the damages exceed your auto liability limits.

Home Liability Extension

May help protect you if someone is injured at your home or if you are held responsible for property damage or bodily injury.

Legal Defense Costs

Can help cover legal defense expenses for covered liability claims, depending on the policy terms and carrier guidelines.

Personal Injury Coverage

May provide coverage for certain personal injury claims such as libel, slander, defamation, or invasion of privacy, depending on the policy.

Worldwide Liability Protection

Some personal umbrella policies may extend liability protection for covered incidents that happen outside the United States.

Who We Help

Extra Liability Protection For Everyday Life

Homeowners

Extra liability protection for homeowners who want another layer of financial security.

Drivers

Protection for individuals and families who want higher liability limits beyond their auto insurance policy.

Parents & Families

Coverage designed for families with homes, vehicles, teen drivers, pets, pools, or other everyday liability risks.

High-Net-Worth Households

Affordable coverage options for students living off campus or away from home.

Frequently Asked Questions

Personal umbrella insurance provides additional liability protection above your existing policies, such as auto, home, condo, renters, or boat insurance. It is designed to help protect your assets if a covered claim exceeds your underlying liability limits.

Umbrella insurance may help cover large liability claims involving bodily injury, property damage, legal defense costs, and certain personal injury claims, depending on the policy.

Umbrella insurance is generally not required by law, but it can be a smart option for people who want higher liability limits and additional protection beyond their standard insurance policies.

Coverage needs vary based on your assets, income, property, vehicles, family situation, and overall liability exposure. Many umbrella policies start at $1 million in coverage.

Yes. Umbrella insurance is often written alongside auto, home, condo, renters, or other personal insurance policies. Our team can help you review carrier options and requirements.

Ready To Add Extra Liability Protection?

Get personalized umbrella insurance coverage designed to help protect your assets, income, and financial future.

Request A Quote