Umbrella Insurance
Extra liability limits for when a claim goes past your policy
An umbrella policy sits on top of your auto, home and boat coverage and adds $1 million or more of liability protection for a surprisingly small premium.
What it covers
Inside a umbrella policy
Every policy is built from parts. These are the ones we will walk through with you before anything is signed.
Excess auto liability
Picks up where your auto limits stop after a serious at-fault accident.
Excess home liability
Extends the liability limit on your homeowners or renters policy.
Excess watercraft liability
Adds limits over your boat policy for accidents on the water.
Legal defense costs
Attorney fees are generally paid in addition to your limit, not out of it.
Libel & slander
Personal injury offenses that standard policies often exclude.
Rental property liability
Covers claims arising from properties you own and rent out.
Why work with us
What you get with Elite Auto Insurance
- Often just a few hundred dollars a year for $1 million of protection
- Protects savings, home equity and future wages from a judgment
- Required underlying limits reviewed and adjusted for you
- Available once your auto and home limits qualify
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Common questions
Umbrella insurance FAQ
- Who actually needs an umbrella policy?
- Anyone with assets or future income worth protecting — homeowners, landlords, business owners, and families with teen drivers, a pool or a dog. A single at-fault injury claim can easily exceed a standard liability limit.
- What does it cost?
- For most households the first $1 million costs less than a car payment for the year. We will quote it alongside your auto and home renewal.
- Do I need my other policies with you?
- Not always, but carriers require minimum underlying limits on your auto and home policies. We will check yours and tell you what needs to change.
Free quote
Request umbrella coverage
A licensed agent will compare carriers and follow up. No obligation.