What is an Umbrella Policy &

Why Do I need one?

Examine your policy or contact us for a free consultation to ensure you understand exactly what and who is covered under your umbrella policy.

Areas umbrella policies typically cover include:

  • Personal injury

  • Bodily injury

  • Landlord liability

  • Property damage

  • Injury to reputation

  • Court costs

  • Malicious prosecution

  • Invasion of privacy

Please Note:

The information provided above serves as a general overview and explanation of various types of insurance coverage. These explanations are not specific to any particular insurance contract and do not alter the terms, exclusions, or provisions outlined in individual policies. Coverage is contingent upon the terms, conditions, and limitations specified in the policy, as well as the outcome of underwriting assessment and approval. Not all risks may be eligible for coverage, and rates and discounts are subject to fluctuation based on numerous factors. It is essential to review the complete policy document, including any exclusions and limitations, upon purchasing coverage. We strongly recommend consulting with your insurance agent and thoroughly reviewing your policy contract to gain a comprehensive understanding of your coverage.

Who needs umbrella insurance?

You're thinking, "I have auto and homeowners insurance that covers some of these situations." True! But umbrella insurance insures you above and beyond the limits of those policies and covers some situations not covered by the other types of policies. Call us at (405)757-1237 to get an umbrella insurance quote today – the rates are less than you think!

Umbrella Policy Coverage Examples:

Bodily injury liability covers the injuries sustained by another person because of the accident. Examples include the cost of medical bills and/or liability claims due to injuries caused by:

  • A serious auto accident where you're at fault

  • Harm caused to others by your dog*

  • A guest in your home falls

  • A neighbor's child falls while playing in your yard

Property damage liability covers the cost of damage or loss to another person's tangible property. Examples include the cost associated with damage to vehicles and other property due to an auto accident where you are at fault.

Owners of rental units help protect against liability that you may face as a landlord. Examples include the cost of liability claims due to:

  • Someone tripping over a crack in the sidewalk of your rental property and suing you for damages

  • Your tenant's dog* biting someone and you being held responsible for the injuries

Coverage is also provided if you're sued for:

  • Slander: An injurious spoken statement

  • Libel: An injurious written statement

  • False arrest, detention, or imprisonment

  • Malicious prosecution

  • Shock/mental anguish

What is not covered by an umbrella policy?

An umbrella policy generally does not provide coverage for:

  • your injuries or damage to your personal property

  • a criminal or intentional action causing damage to someone else

  • liability you assume under a contract

How can umbrella insurance help protect you?

Let's look at an example to help you better understand how an umbrella policy would work to protect you. Let's say you cause a car accident and the cost of the injuries you cause to others is $500,000. Let's also say that the bodily injury limits on your auto insurance are $300,000. Your auto policy will cover $300,000 of the injuries. But who will cover the remaining $200,000?

Your umbrella insurance policy will. It will cover the amount above the limit set in your auto insurance policy, up to the limit you choose for your umbrella policy.