Extra Protection for Life’s Big Surprises

A serious accident or unexpected lawsuit can quickly exhaust your existing auto or homeowners insurance limits — putting your savings, home, and future at risk. Personal umbrella insurance provides an extra layer of protection to keep you and your family financially secure, no matter what comes your way.

Why Personal Umbrella Insurance Matters

Peace of Mind Beyond Your Primary Coverage

Umbrella insurance steps in after your underlying liability coverage limits are reached, helping pay for legal fees, medical expenses, and settlements if you’re found responsible for injuries or property damage to others. It doesn’t cover damage to your own property but focuses on protecting your financial future from large liability claims.

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What Personal Umbrella Insurance Covers

Bodily Injury Liability

Covers medical expenses, lost wages, and other costs if you're responsible for someone else’s injury.

Property Damage Liability

Pays for damage you cause to someone else’s property that goes beyond your standard policy limits.

Personal Injury

Provides coverage for claims like libel, slander, defamation, false arrest, or invasion of privacy.

Legal Defense Costs

Helps cover attorney fees and court costs if you're sued, even if you’re not found liable. Most umbrella policies start with $1 million in coverage, but higher limits are available if you need extra peace of mind.

Questions We Hear Most — With Answers

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  • What is personal umbrella insurance?

    Umbrella insurance offers extra liability protection beyond your auto and homeowners policies. It helps protect your assets and future income if a serious accident or claim exceeds your standard coverage.

  • How much umbrella insurance do I need?

    This depends on your total assets and personal risk factors. If your assets (like savings, home equity, and investments) exceed your current liability coverage, an umbrella policy can help protect those. We’ll work with you to determine the right amount.

  • Who needs personal umbrella insurance?

    Anyone can benefit, but it's especially important if you have significant assets, own rental property, host guests frequently, or have higher public exposure (like volunteering or serving on boards). We recommend discussing your lifestyle and needs with us directly.

  • What does personal umbrella insurance not cover?

    Umbrella insurance doesn’t cover your own property damage, business-related liabilities, or intentional acts. It only extends liability protection. We’ll help you understand exactly what is and isn’t included.

  • Does umbrella insurance cover legal fees?

    Yes — legal defense costs are typically included and can be covered even if a lawsuit is groundless.

  • Why choose St. Andrews for umbrella insurance?

    We provide clear explanations, quick guidance, and policies tailored to your real-life risks. Our team ensures you understand your options and feel confident every step of the way.

Local Help, Real Answers

Extra Protection, Explained Clearly

At St. Andrews Insurance, we make umbrella insurance straightforward and supportive. You’ll get local, one-on-one guidance and a customized policy that ensures your assets — and your peace of mind — are protected.

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