Umbrella Insurance Designed Around Your Financial Protection
Additional Liability Coverage Designed to Help Protect What Matters Most Today and As Your Needs Evolve
Life is full of unexpected moments. While your home and auto insurance provide valuable liability protection, some situations can exceed those policy limits. At HomePoint Insurance, we help individuals and families secure umbrella insurance designed around their assets, lifestyle, and long-term financial goals. We take the time to understand your existing coverage, so your protection fits your needs today and adapts as life evolves.
Protection customized for your lifestyle and assets
Additional liability protection designed around your financial goals, existing coverage, and the life you’ve worked hard to build.
Access to top-rated national and regional carriers
We partner with trusted national and regional insurance carriers to help you compare umbrella coverage options that complement your existing policies.
Support aligned with your long-term protection goals
Whether you’re growing your assets, expanding your responsibilities, or simply looking for greater peace of mind, we’ll help you build protection that evolves with you.
Nationwide service with local expertise
Receive professional guidance from experienced licensed insurance professionals backed by resources of a nationwide agency.
Liability Protection Designed for Life’s Unexpected Moments
Unexpected accidents and liability claims can happen when you least expect them. A serious auto accident, an injury on your property, or another covered liability claim can result in damages that exceed the limits of your existing insurance policies. Umbrella insurance provides an additional layer of liability protection, helping safeguard your savings, investments, and future financial security when your underlying coverage reaches its limits.
Understanding Umbrella Insurance
Umbrella insurance works alongside your homeowner, auto, and other qualifying insurance policies. It doesn’t replace your existing coverage; it extends your liability protection after the limits of those policies have been exhausted. Depending on your policy, umbrella insurance may help cover legal defense costs, settlements, and judgements associated with covered liability claims.
Umbrella Insurance Explained
Bodily Injury Liability
Additional protection for covered injuries you’re legally responsible for causing.
Property Damage Liability
Helps cover or pay for costs to fix damage to another person’s property after your underlying policy limits have been reached.
Legal Defense Costs
May help pay for covered legal expenses associated with defending liability claims that fall under your umbrella policy.
Worldwide Coverage
Many umbrella policies extend liability protection worldwide for covered incidents. Subject to policy terms and conditions.
Personal Liability Claims
Provides additional liability protection for covered incidents that exceed your underlying policy limits.
Why Choose HomePoint Insurance
Personalized Protection
Coverage designed around your assets, lifestyle, and financial goals.
Multiple Carrier Options
Access to trusted national and regional insurance carriers.
Experienced Guidance
Helping you understand liability protection and available coverage options.
Ongoing Support
Helping review your coverage as your assets and insurance needs change.
Coverage Gap Review
We help identify liability gaps and recommend additional protection when appropriate.
Who Should Consider Umbrella Insurance
Homeowners
Protect the home and assets you’ve worked hard to build.
Vehicle Owners
Help prepare for the financial impact of a serious auto accident.
Rental Property Owners
Additional liability protection may be beneficial for those who own investment or rental properties.
Protect Growing Assets
As your savings, investment, and financial responsibilities grow, umbrella insurance can help provide added peace of mind.
Explore Our Other Insurance Lines of Business
Protect your pet with insurance that helps cover unexpected vet bills — so you can focus on care, not costs.
Your home is your most important asset. We will help design a policy that provides the protection you need
It is important that you have liability protection and coverage for damage to your vehicle in the event you are in an accident.
Flood damage is not typically covered by a homeowner’s insurance policy. 20% of Flood claims are within low risk areas.
While a landlord’s insurance typically covers structural damage, it won’t protect your personal property from fire, theft and other disaster.
A recreational vehicle faces the same dangers on the road as an auto and it requires special insurance.
Protect More Than Today. Protect What’s Next.
Life changes, and your insurance should keep up.
Whether you’re protecting your home, your family, your savings, or your future, HomePoint Insurance can help you find umbrella coverage designed around your unique needs. At HomePoint Insurance, we’ll help you compare umbrella insurance options so you can protect your future with confidence and focus on living with greater peace of mind.
Coverage subject to policy terms and conditions
Umbrella Insurance FAQs
Umbrella insurance provides additional liability protection after the liability limits on your qualifying insurance policies have been exhausted.
If you own a home, drive regularly, own rental property, have significant savings, or simply want additional financial protection, umbrella insurance may be worth considering.
No. Umbrella insurance supplements your qualifying insurance policies by providing additional liability protection after those policy limits have been reached.
The right amount depends on your assets, financial goals, and potential liability exposure. A HomePoint Insurance licensed professionals can help determine the coverage that’s right for you.
Many customers are surprised to learn umbrella insurance is often one of the most affordable ways to significantly increase liability protection.
Yes. Most insurance companies require minimum liability limits on your homeowners and auto insurance policies before offering umbrella insurance. In most cases, carriers require your auto insurance to have a minimum of $250,000/$500,000 limits and homeowner liability limits of $300,000.
Legal defense cost for covered claims are typically included under your underlying home and auto insurance policies and may be extended through your umbrella policy. Subject to the policy’s terms, conditions, limitations, and exclusions.
In certain situations, umbrella insurance may provide additional liability protection when covered claims exceed the limits of your underlying insurance policies.
Umbrella insurance generally does not cover:
- Your own injuries
- Damage to your own property
- Business-related liability (unless specifically endorsed)
- Intentional or criminal acts
- Liability excluded under your underlying insurance policies