What Is Umbrella Insurance?
Umbrella insurance is designed to provide additional personal liability coverage above the limits of qualifying underlying policies such as auto or homeowners insurance. It can help provide added financial protection when a covered liability claim exceeds those underlying limits.
Coverage Options
Auto Liability
May provide additional liability protection after qualifying auto insurance limits are exhausted.
Home Liability
May extend liability protection beyond qualifying homeowners insurance limits.
Personal Injury Liability
Depending on the policy, coverage may include certain personal injury claims such as libel or slander.
Asset Protection
Additional liability limits may help protect savings, property, income, and other assets from large covered claims.
Who Should Consider Umbrella Insurance?
While umbrella coverage is beneficial for many, it is particularly important for individuals who have greater assets to protect or increased liability risks.
Own a Home
Teenage or Multiple Drivers
Own Multiple Vehicles
Significant Savings or Assets
Own Rental Property
Pool, Boat, or RV exposure
Frequently Entertain Guests
Higher Liability Limit Needs
Underlying insurance limits and eligibility requirements vary by insurance carrier and policy.
Why Work With Cumming Insurance?
Umbrella coverage often needs to coordinate with your underlying auto and home insurance. Cumming Insurance can help review your existing liability limits, explain available options, and determine which insurance markets may fit your situation.
Coverage Coordination
Help reviewing your home and auto liability limits.
Independent Choice
Access to multiple insurance markets.
Personal Guidance
Work directly with an independent insurance agent.
Serving Clients Across Four States
Cumming Insurance is licensed to assist clients in Georgia, Florida, North Carolina, and Alabama.
