Umbrella Insurance
Protect your finances with innovative and customized insurance strategies, so you’re prepared when you need it most. Umbrella insurance (also called excess liability insurance) is designed to add an extra layer of liability protection above your underlying policies—helping protect your savings, income, and assets when a serious claim exceeds your base limits. Whether you’re protecting a household, a rental property, or a business, umbrella coverage can help prevent one major lawsuit from becoming a long-term financial setback.
Below are common umbrella coverages and situations people and businesses often plan for. If you need coverage not listed here, don’t hesitate to reach out—we can help you build an umbrella policy that fits your risk and budget.
Extra Liability Limits Above Your Primary Policies
Umbrella insurance is built to increase your liability limits above key underlying policies—often homeowners, auto, landlord, and/or general liability. It helps protect you when a large claim goes beyond what your base policy can pay.
Severe Injury Claims and Lawsuits
Serious accidents can lead to high medical bills, long-term care costs, and legal action. Umbrella coverage can help protect against catastrophic injury claims—such as major slip-and-fall cases, dog bite incidents, or other serious injuries tied to your property or daily activities.
Auto-Related Liability Beyond Standard Limits
Auto claims can become extremely expensive—especially when there are multiple injured parties or permanent injuries. Umbrella insurance can provide additional protection when a major accident exceeds your auto liability limits.
Rental Property Liability Exposure
Landlords can be named in lawsuits for injuries at a rental property, property maintenance issues, or premises-related claims. Umbrella coverage can add higher limits above landlord and property liability—helpful for owners who want stronger asset protection.
Protection for High-Risk Activities and Lifestyle Exposure
Pools, trampolines, frequent entertaining, youth sports, and other lifestyle factors can increase liability risk. Umbrella insurance is often used to create stronger protection when your day-to-day exposure is higher.
Legal Defense Costs (Often the Hidden Expense)
Lawsuits don’t just cost money if you lose—legal defense can be expensive even when you win. Umbrella policies typically help with legal defense for covered claims, adding a valuable layer of protection beyond your base policies.
Flexible Limits Based on Your Assets and Risk
There is no one-size-fits-all umbrella. The right limit depends on your assets, risk exposure, property ownership, and lifestyle. We help you choose a limit that fits the reality of what you’re protecting.
Quick Answers People Search For:
What does umbrella insurance cover?
Umbrella insurance provides extra liability limits above your underlying policies (auto, homeowners, landlord, or business liability). It helps with covered lawsuits, settlements, and often legal defense costs when a claim exceeds base limits.
Do I need umbrella insurance if I have homeowners and auto insurance?
Many people do—because serious injury claims and lawsuits can exceed standard policy limits. Umbrella insurance is designed to protect assets when that happens.
How much umbrella insurance should I buy?
A common approach is to carry enough to protect your net worth and future earnings exposure. The right amount depends on your situation, assets, and risk.
At StarNet Insurance Group, we make umbrella insurance clear and practical—so you can protect your assets, your properties, and your financial stability with confidence.