Umbrella Insurance in Bellingham, WA
An umbrella policy adds an extra layer of liability protection on top of your home and auto policies. If a serious accident leads to a claim larger than those limits, umbrella coverage can help protect your savings and future income.
What an umbrella policy typically covers
Umbrella coverage starts where your home and auto liability limits stop.
Excess liability
Additional protection once your home or auto liability limits are used up, often in $1 million increments.
Personal injury claims
Many umbrella policies also cover claims like libel, slander or false arrest that home and auto policies may not.
Legal defense costs
Helps pay attorney fees and court costs, which can add up even when a claim is not your fault.
Broad protection
Can often extend across your household drivers, and to rental properties you own when they are listed on the policy.
Worth knowing before you buy
A few details decide whether an umbrella works the way you expect.
- Required underlying limits. Most umbrella policies require you to carry certain liability limits on your home and auto policies first.
- Business activities. Personal umbrellas usually exclude business liability. Businesses typically need a commercial umbrella.
- Rental properties. Properties you rent out may need to be listed to be included.
- Household changes. New drivers, a pool, a trampoline or a dog can all affect your liability exposure.
Related reading
Common questions
Who should consider an umbrella policy?
How much umbrella coverage do I need?
Does a personal umbrella cover my business?
Is your liability coverage high enough?
A free policy check reviews your home and auto limits and whether an umbrella makes sense for you.
General information only, not a quote, offer or guarantee of coverage. Coverage, availability and price depend on the policy, the carrier and your situation. See all coverage.