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Umbrella Insurance

Umbrella Insurance is extra liability insurance that goes above and beyond the limits of the insured’s property, vehicle, business, or watercraft insurance. It can protect you against some lawsuits not covered by your other insurance policies. One example would be if you were sued over an accident involving a boat that you rented while vacationing in Europe. It also provides coverage for some claims that may be excluded by other liability policies including, but not limited to: false arrest, libel, slander, and liability coverage on any rental units that you may own.

The more that your assets increase or the more income that you accrue, the more likely it is that you would benefit from an umbrella insurance policy. 

There are many money saving discounts that are available if you are already have other insurance policies with Alliances Insurance Agency. The cost of an umbrella policy depends on how much underlying insurance you have and the kind of risk you represent. The greater the underlying liability coverage, the less expensive the policy will be since you would be less likely to need the additional insurance. An umbrella policy is the absolute best buy in the insurance business. It can cost as little as $150 to $200 for the first $1 million of coverage, then about $100 for each additional $1 million.

Let Alliances Insurance Agency help you find the right amount of coverage to suit your insurance needs.

Call us today at (610) 816-0043 


What our clients say

Highly Recommend 

“My husband and I just purchased our first home and used Kevin Hamill’s services for our insurance. We originally tried to find the best rate on our own, but quickly got frustrated. Kevin was recommended by our buyers’ agent, and after the first conversation we never looked back! Kevin was able to shop around for the best bundle prices for our auto, jewelry, homeowners and life insurance. He beat even the local agents by $200-$300 and assisted us with cancelling our existing policies to get refunds. Kevin is different from the rest because he takes the time to really get to know what you are looking for and doesn’t oversell you. He is a great communicator and always responded in a timely manner. He is extremely knowledgeable about insurance and helped explain everything to us in detail. We would highly recommend Kevin for his insurance services to everyone!”

Typically included in the Policy

Umbrella insurance is extra liability insurance coverage that goes beyond the limits of the insured’s homeowners, auto, or watercraft insurance. It provides an additional layer of security for:
Defense Costs

Teen Drivers

Dog Bites

Personal and homeowners liability situations


False arrest

Pain and suffering

A volunteer or a members of a board

Have a swimming pool and/or host parties at your home


Umbrella Insurance adds a safety net of extra personal liability coverage to protect you if you are found liable for property damage or bodily injury that exceeds the limits of your existing Car, Homeowners, or Renter’s Insurance. Coverage can extend to the policyholder’s spouse and any dependents or relatives that live with them.

You should have enough Umbrella Insurance to cover your net worth, including future earnings you stand to gain from investments.

Auto accidents

Bodily injury

Personal injury

Property damage

Funeral costs

Legal fees and defense costs

Medical expenses

Landlord liability




False arrest

Malicious prosecution

Shock or mental anguish

Certain dog breeds

Incidents that take place abroad

Accidents involving rental property like watercrafts or scooters


Always consult insurance providers about the exclusions on Umbrella policies since many are based on your underlying policies or state-specific legislation.

  • High-net-worth individuals who wants to protect valuable assets. If your net worth is significantly higher than the limits of your auto and home insurance, a liability lawsuit could make you lose everything. Assets include life savings, investment portfolios, and even investment property.
  • Persons at a higher risk for being sued. If you own a restricted dog breed, a swimming pool, a trampoline, a tree house, or a gun, you run a higher risk of an expensive lawsuit. If you coach a children’s sport, practice high-risk sports, or are the parent or guardian of a driving minor, you are also at a higher risk of an expensive lawsuit.

Umbrella Insurance starts at $1 million, and it increases in $1 million increments. Consider appropriate coverage by considering:


  • The liability limits of your underlying policies
  • The total value of your personal assets such as home, auto, life savings and investments
  • Any future earnings you’d stand to lose if a lawsuit lays claim to your investment properties or stocks
  • Umbrella Insurance requires specific liability limits on your underlying policies.
  • Umbrella Insurance cannot be purchased as a standalone policy. Companies require that you have a Home or Auto policy, or both, at all times.
  • You will need to raise policy limits to the specified amount before you can qualify for Umbrella coverage.