Umbrella Insurance That Extends Your Protection
Extra Coverage for Life’s Big What-Ifs
A single lawsuit or accident can exceed the limits of your standard insurance policies—and put your savings or future at risk. Umbrella insurance adds an extra layer of liability protection, giving you more security and peace of mind. At Security Insurance Agency, we make it simple to understand your options and extend your protection where it matters most.
Make sure your coverage goes far enough.
Let’s talk about adding umbrella insurance to your protection plan.
When standard coverage isn’t enough—umbrella steps in.
Why Add Umbrella Insurance with Security Insurance Agency?
Umbrella insurance isn’t just for the wealthy—it’s for anyone who wants to protect their assets and future. Whether you own property, have savings, or just want broader peace of mind, umbrella coverage fills the gaps your base policies can’t.
We’ll help you understand how umbrella insurance works, what it covers, and how much coverage makes sense based on your lifestyle. It’s straightforward, cost-effective, and surprisingly affordable for the protection it provides.
What Does Umbrella Insurance Cover?
01
Personal Liability
Adds extra coverage if you’re held legally responsible for injury or damage that exceeds your auto or homeowners policy limits.
02
Legal Defense Costs
Covers attorney fees and court costs if you're sued—even if the lawsuit is groundless.
03
Property Damage & Bodily Injury
Covers high-dollar claims involving others’ property or injuries that occur on your property or because of an accident you caused.
Your umbrella insurance questions, answered.
Still unsure if umbrella insurance is right for you? Here are some of the most common questions we hear from clients.
1. How do I know if I need umbrella insurance?
If you own a home, have savings, or want extra protection from lawsuits or major claims, an umbrella policy is worth considering.
2. Does umbrella insurance cover everything my other policies don’t?
It extends liability protection, but it doesn’t replace coverage. It kicks in after your home, auto, or other policy limits are maxed out.
3. Is umbrella insurance expensive?
Not at all. For most people, adding $1 million in coverage is surprisingly affordable—often less than the cost of a night out per month.
4. Can it cover my whole family?
Yes. Most umbrella policies include coverage for your spouse and household family members, including dependents.
5. What’s not covered under an umbrella policy?
It won’t cover your own injuries, damage to your own property, or intentional acts. We’ll walk you through exactly what’s included and what isn’t.