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Personal Insurance

Extra liability protection when your home and auto limits aren’t enough.

A serious accident or lawsuit can exceed the liability limits on your home or auto policy quickly. Umbrella coverage adds an extra layer of protection over both.

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The Basics

How umbrella coverage adds a layer of protection.

Personal umbrella insurance sits on top of your existing home and auto liability limits, providing additional coverage once those underlying limits are exhausted.

It’s relatively inexpensive for the amount of protection it adds, which is why it’s often recommended for anyone with meaningful assets, a pool, rental property, or teenage drivers in the household.

  • Adds liability coverage beyond home and auto policy limits
  • Relatively low cost for a significant increase in protection
  • Covers legal defense costs for covered claims
  • Extends to some liability exposures underlying policies exclude

Who Often Benefits Most

  • • Homeowners with a pool or trampoline
  • • Families with teenage drivers
  • • Property owners with rentals
  • • Anyone with significant personal assets
What’s Included

Core protections under umbrella coverage

Extended Liability Limits

Additional coverage once your home or auto liability limits are exhausted.

Legal Defense Costs

Covers attorney fees and court costs for covered liability claims.

Personal Injury Protection

Coverage for claims like libel, slander, or false arrest in some policies.

Worldwide Coverage

Liability protection that often extends beyond just your home state.

Rental Property Liability

Extra protection if you own rental property, subject to underlying policy requirements.

Affordable Limits

Coverage typically starts at $1 million and can scale up from there.

Common Questions

Umbrella Insurance FAQs

How much umbrella coverage do I need?
It depends on your assets and risk tolerance, but $1 million to $2 million is a common starting point for many Belgrade families.
Do I need underlying home and auto coverage first?
Yes, umbrella policies require you to carry certain minimum liability limits on your home and auto policies before the umbrella coverage applies.
Is umbrella insurance expensive?
It’s often surprisingly affordable, since it only pays out after other policies are exhausted, making it one of the better values in personal insurance.

Let’s talk about your umbrella insurance coverage.

Belgrade-based advisors who know Montana risk, ready to help.

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