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.

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Family under umbrella protecting house and car from rain.

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.

Personalized Coverage

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

Multiple Carrier Options

Compare coverage solutions from trusted insurance companies.

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.

      EXCELLENT  
   Based on 18 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Anna 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great service for our trucking business. Highly recommend his services!
  
 
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   Kemsly Occeus 
 
 
 
 Trustindex verifies that the original source of the review is Google. He is doing a good job for our community and I really appreciate his service. That services was good, fast and know how to communicate with people. Come and get your insurance from him and you won’t regret it. Thanks for everything bro.
  
 
      Posted on Google  
   
   Angel D Gallo 
 
 
 
 Trustindex verifies that the original source of the review is Google. fast, excellent service 👍
  
 
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   Orlando Rodriguez 
 
 
 
 Trustindex verifies that the original source of the review is Google. Best commercial insurance best price .. he sure knows what he’s doing. He got me the right policy when others didn’t know what they were doing. For  commercial insurance needed for trucks tow and trucks.
  
 
      Posted on Google  
   
   Sonni Kim 
 
 
 
 Trustindex verifies that the original source of the review is Google. Rodian is the best agent I have worked with ever. Extremely helpful and responsive. Really works for your company, looking out for your interests and making sure you have the best coverage and pricing. Highly recommend!
  
 
      Posted on Google  
   
   Sarah Hollman 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had the best experience today with an agent , he helped me look up different policies and gave me insight on what limits would be best for my vehicle ... while still staying in my budget . Thank you !
  
 
      Posted on Google  
   
   Shayma Ayvaz 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ron, is always helpful and always Available. There has never been a time I needed anything and didn't deliver! Quick turn around also. Highly recommended
  
 
      Posted on Google  
   
   Sonny T 
 
 
 
 Trustindex verifies that the original source of the review is Google. Really great experience. Annagard helped me get the best quotes. Very professional service! I definitely recommend Annagard Insurance Agency!
  
 
      Posted on Google  
   
   Simon Szpak 
 
 
 
 Trustindex verifies that the original source of the review is Google. I can highly recommend this business!  They can help you and your company to find the best solution and offer very attractive pricing. You can also save your time as the quotes and the estimates are being prepared very quickly. These folks are surprising in positive meaning only!

Coverage Options

Personal Umbrella Insurance Coverage Built For Extra Protection

Excess Liability

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

Auto Liability

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

Home Liability

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

Legal Costs

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

Personal Injury

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

Worldwide Liability

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

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.

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