Serving Vancouver, Portland, Ridgefield, Battle Ground, Camas, and surrounding areas within Clark County and the Pacific Northwest.
Umbrella Insurance FAQ
What does umbrella insurance actually cover?
An umbrella policy adds a layer of liability protection above the limits on your auto, home, and other policies. If you're found responsible for injuries or damage that exceed those underlying limits, the umbrella can cover the difference up to its own limit, along with certain legal costs. It doesn't cover your own property or your own injuries.
How much umbrella coverage do I need?
A common starting point is to carry enough umbrella coverage to protect your net worth, and limits typically begin at 1,000,000 dollars. If you own a home, have savings, rent out property, have teen drivers, or have features like a pool or a dog, your exposure is higher. We can help you gauge the right amount for your situation.
Is umbrella insurance expensive?
It's usually one of the most affordable ways to buy a large amount of liability protection, because your underlying auto and home policies pay first. Carriers do require you to carry certain minimum liability limits on those underlying policies before adding an umbrella, which we'll set up for you.
You might also want
Coverage that often pairs well with Umbrella Insurance. Bundling can simplify your policies and sometimes lowers the total cost.
Let’s Get You Covered
Let us know what you’re looking to protect and a local team member will follow up with real options.
Call us at 360-573-3080.
Prefer one question at a time? Try the step-by-step quote.