Umbrella Insurance for Extra Protection in Southern Illinois
Sometimes the unexpected can exceed your standard insurance limits. Umbrella insurance offers an extra layer of liability protection for major claims and lawsuits. If you're found responsible for a serious accident, injury, or property damage, your umbrella policy helps protect your savings, assets, and future earnings. It’s an affordable way to strengthen your overall protection and gain peace of mind.
What Is Umbrella Insurance?
Umbrella insurance kicks in when the limits of your home, auto, or other underlying policies are exhausted. It provides broader coverage for legal fees, judgments, and liability claims that go beyond your regular policies. We'll help you evaluate whether umbrella coverage is right for you based on your risk exposure—like having teen drivers, owning rental property, or having significant assets to protect.
Why It’s Worth Considering
You don’t have to be wealthy to need umbrella insurance. A serious car accident or injury on your property can lead to costly lawsuits. Umbrella insurance helps you avoid financial devastation when your basic policy runs out.
What Umbrella Insurance Typically Covers
Lawsuits & Legal Fees
Covers attorney fees, court costs, and settlements beyond the limits of your standard liability policies.
Bodily Injury & Property Damage
Adds liability coverage for major accidents involving injury or property damage — whether on the road or at home.
Personal Liability Risks
Covers defamation, libel, or slander claims that aren’t included in your basic policies.
Umbrella Insurance FAQs
How much umbrella coverage do I need?
Most people choose $1 million or more. We’ll help you evaluate your risk and assets to recommend a smart amount.
Is umbrella insurance expensive?
Not at all—most policies cost less than a dollar a day.
What does it not cover?
It doesn’t cover business liability or personal belongings.
Does it cover business liability?
Not usually. Umbrella policies are for personal liability. Ask us about commercial umbrella coverage if you own a business.