Umbrella Insurance
Extra Protection for Life’s “What Ifs”
Life is unpredictable. Even with solid auto and homeowners insurance in place, a serious accident or lawsuit can quickly exceed standard policy limits. An umbrella insurance policy provides an added layer of liability protection—helping shield your assets, savings, and future earnings from major financial loss.
At Barrett Insurance, we often describe umbrella coverage as peace of mind insurance. For a relatively small premium, it can protect you from the kind of unexpected claims that could otherwise change your financial future.
Why Consider Umbrella Coverage?
Most liability claims are manageable—but the ones that aren’t can be devastating. Umbrella insurance is designed to step in when the limits of your auto, homeowners, or other underlying policies are exhausted.
Real-life situations where umbrella coverage can make a difference include:
- You’re involved in a serious auto accident that results in significant injuries and lost wages
- A guest is injured on your property and the claim exceeds your homeowners liability limit
- A pool, trampoline, or dog-related incident leads to a large lawsuit
- You’re named in a personal liability claim involving libel or slander
In situations like these, costs can quickly reach hundreds of thousands—or even millions—of dollars.
What Umbrella Insurance Covers
An umbrella policy provides extended liability protection above and beyond your existing policies, including:
Higher Liability Limits
Additional coverage once your auto or homeowners liability limits are reached.
Bodily Injury & Property Damage
Protection for injuries or damage caused by an accident involving your vehicle or your property.
Legal Defense Costs
Coverage for legal fees, court costs, and settlements related to covered claims.
Personal Liability Protection
Coverage for a wide range of accidents and personal liability situations.
Libel & Slander Coverage
Protection for covered personal injury claims related to defamation.
Who Should Consider an Umbrella Policy?
Umbrella insurance is a smart choice for anyone who:
- Owns a home or rental property
- Has teen drivers or frequent visitors
- Owns recreational vehicles, boats, or pools
- Has savings or assets worth protecting
- Simply wants added peace of mind
You don’t need to be wealthy to benefit from umbrella coverage—you just need something worth protecting.
Why Work With Barrett Insurance?
Umbrella policies are not one-size-fits-all. The right amount of coverage depends on your assets, lifestyle, and existing insurance limits. As a local, independent agency, we’ll review your current policies, explain your options, and recommend coverage that makes sense for you.
And if life takes an unexpected turn, you’ll have a real person to call—someone who knows you and your coverage.
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Looking for extra protection and peace of mind?
