Umbrella Insurance
Umbrella Insurance: Extra Protection When It Matters Most
When a major claim exceeds your standard policy limits, umbrella insurance steps in to protect your assets and your future.
Understanding Umbrella Insurance
Your auto and home insurance policies have liability limits — and in today's litigious world, those limits can be exhausted quickly. A single serious accident or lawsuit could put your savings, home, and future earnings at risk.
Umbrella insurance provides an additional layer of liability coverage — typically $1 million or more — that kicks in when your underlying policies reach their limits. At Wingerd Agency, we help you determine how much umbrella coverage makes sense for your situation.
Coverage Types Explained
Excess Liability
Provides additional liability coverage beyond the limits of your auto, home, or other underlying policies — protecting your assets from large judgments.
Broader Coverage
Umbrella policies often cover claims that your standard policies exclude, such as libel, slander, false arrest, and certain personal injury claims.
Legal Defense Costs
Covers attorney fees, court costs, and other legal expenses associated with a covered claim — even if the lawsuit is ultimately dismissed.
Worldwide Coverage
Most umbrella policies extend your liability protection globally, covering incidents that occur outside the United States.
Why Choose Wingerd Agency for Umbrella Insurance?
- Affordable coverage — often just a few hundred dollars per year for $1M in protection
- Covers gaps and exclusions in your existing policies
- Ideal for homeowners, landlords, business owners, and high-net-worth individuals
- Dedicated agent who reviews your full coverage picture to find the right amount
One Policy. Millions in Protection.
Umbrella insurance is one of the smartest and most affordable ways to protect everything you've worked for. Let's talk about your options.
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