One serious accident can exceed your home or auto policy limits by hundreds of thousands of dollars. A personal umbrella policy is the most affordable way to protect everything you've worked for.
Every policy is built around your situation. We review what you have, find the gaps, and make sure you’re protected before you need to file a claim.
If you cause a serious accident and medical expenses exceed your auto policy limits, umbrella covers the difference, up to $1 million or more.
Covers damage to other vehicles, structures, or property that exceeds your underlying policy limits in an at-fault accident.
Protects against lawsuits for libel, slander, defamation, or invasion of privacy, the kinds of claims a standard policy doesn't cover.
If you own rental property and a tenant is injured, umbrella coverage steps in when your landlord policy limits run out.
If your dog or other animal injures someone and costs exceed your homeowners limits, umbrella can help cover the remaining expenses.
Covers attorney fees and court costs for covered claims, even if a lawsuit is ultimately dismissed. Legal defense alone can cost tens of thousands of dollars.
An umbrella policy adds a layer of liability protection that kicks in when your home, auto, or other primary policies hit their limits. It typically starts at $1 million in coverage and is surprisingly affordable, often $15–30/month.
If you own a home, have savings, or earn an income that could be garnished in a lawsuit, you need umbrella coverage. Without it, a judgment against you can reach your personal assets, savings, investments, even future wages.
Most people start with $1 million. If you have significant assets, own rental property, have teenage drivers, or have a pool or trampoline, we often recommend $2–3 million. The cost difference is minimal compared to the risk.
Umbrella covers most personal liability situations, but it excludes intentional acts, business-related liability, and some other specific situations. We review your specific risk profile to make sure you have the right combination of underlying and umbrella coverage.
To qualify for umbrella coverage, you typically need minimum liability limits on your home and auto policies. We review your existing policies as part of the process and make sure everything is coordinated correctly.
Most policies have gaps. We find them before a claim does. Get a free, no-obligation review from Hill Agency & Associates.
This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance. Products underwritten by American Family Mutual Insurance Company, S.I. and its Operating Companies.
