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Umbrella Insurance for Extra Liability Protection
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Extra Protection Beyond Your Base Policies
More Coverage When It Matters
A personal umbrella sits above home, auto, and other eligible policies to provide higher liability limits, typically in one million dollar increments. It can respond to large injury claims after an auto accident or serious incident at your home in Metairie, Old Jefferson, or Mid-City. We confirm required underlying limits on Auto insurance and Homeowners insurance so the umbrella will respond correctly.
How Umbrella Policies Work
When the Claim Exceeds Your Limits
If a claim uses all of your underlying liability, the umbrella continues paying up to its limit. Personal injury coverage can include libel and slander subject to policy terms. We will explain exclusions and make sure your household drivers and properties are scheduled properly.
Who Should Consider An Umbrella
Protection for Everyday Families
Households with teen drivers, pools, boats, rental properties, or significant savings benefit from higher limits. Many clients start at one million and add more as assets grow. The cost is often lower than expected for the protection it provides. Business owners may also want a separate commercial umbrella through our Commercial insurance team.
FAQ – Umbrella Insurance
Quick Answers Before you Apply
Do I need to keep high limits on my base policies?
Yes. Insurers require certain minimums on auto and home.
Does an umbrella cover my business activities?
Personal umbrellas exclude business liability. Ask about a commercial umbrella.
How much does it cost?
Many policies start near a few hundred dollars per year for one million in coverage.
Extra Protection for Life’s What-Ifs
Extend Your Liability Coverage with Confidence
Umbrella insurance provides additional protection beyond standard home and auto limits—ideal for added peace of mind against major claims or lawsuits.