Umbrella Insurance

Personal Umbrella Insurance

Umbrella Insurance, explained clearly.

An added layer of liability protection when a serious accident or lawsuit exceeds the limits of your underlying policies.

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What your policy can protect

Coverage is not one-size-fits-all. We compare options and explain the tradeoffs before you choose.

1

Extra liability limits

Umbrella coverage sits above qualifying home, auto, rental-property, boat, or other personal liability policies.

2

Serious auto accidents

A major injury claim can exceed ordinary auto limits quickly, especially with multiple vehicles or youthful drivers.

3

Home and lifestyle risks

Pools, dogs, entertaining, rental properties, household employees, and frequent guests can increase liability exposure.

4

Boat and recreational exposures

Many umbrellas can extend over eligible watercraft or recreational policies when required underlying limits are maintained.

5

Legal defense

Policies commonly include defense provisions, but wording, covered claims, and costs vary by carrier.

6

Personal injury claims

Some policies may address libel, slander, or invasion-of-privacy claims, subject to exclusions and policy language.

Smart steps before you buy

A few details now can prevent surprises at claim time.

✓ Keep every underlying policy with the limits required by the umbrella carrier.
✓ Tell your agent about all vehicles, drivers, homes, rentals, boats, and recreational exposures.
✓ Review coverage after buying property, adding a youthful driver, hiring household help, or acquiring a boat.
✓ Umbrella insurance is not a replacement for home, auto, or boat coverage.

Common questions

How much umbrella insurance should I consider?

Consider your assets, future income, household risks, properties, vehicles, drivers, and comfort level. Many policies start at $1 million.

Does it cover everything?

No. Business activities, intentional acts, certain professional exposures, and other exclusions may apply.

Why do underlying limits matter?

The umbrella is designed to begin after an eligible underlying policy reaches its limit. If required limits are not maintained, you may face a coverage gap.

Coverage, eligibility, limits, deductibles, and availability vary by carrier and policy. This page is educational and does not change or guarantee coverage.

Let’s build the right protection.

A licensed MAD Insurance advisor can compare available options and explain them in plain language.

Request a Quote

Personal Umbrella Guided Quote

Tell us about your household, underlying policies, assets, and liability exposures so we can review umbrella options.

Personal Umbrella — Guided Quote Request
SECTION 1

Let’s start with you

Fields marked * are required. Other questions can be left blank if you need help finding the answer.

Include your area code.
Include your time zone if outside Eastern Time.
Use MM/DD/YYYY, or write “Not sure.”
SECTION 2

Who needs coverage?

This is a preliminary quote request. Do not enter Social Security numbers, medical records, diagnoses or payment information.

List each person’s age and relationship to you. Full dates of birth are not needed here.
Include household members who do not need coverage. Your agent can help clarify the relevant household details.
SECTION 3

Current coverage and timing

Share your current situation so our team can help identify the next steps. Dates do not guarantee eligibility or an effective date.

Use MM/DD/YYYY if known.
SECTION 4

What matters in your plan?

These details help us prepare a useful conversation. You can skip anything you prefer to discuss directly.

Optional estimate; write “Please advise” if unsure.
Optional: provider or facility names and city only. Do not include diagnoses or treatment details.
SECTION 5

Questions and next steps

Submitting this questionnaire requests a conversation. It does not enroll you in a plan or replace a separate enrollment consent.

Do not include sensitive medical details or identity documents.

Ready for our team to review?

Check your contact details and answers, then send your request. Our team will follow up to discuss options and any additional information needed. This request does not bind or activate coverage.

Need help completing this form? Call 954-541-9232.

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