Your local insurance guidance

Umbrella Insurance in DeMotte, Indiana

An Extra Layer of Liability Protection

Sometimes the liability limits on your existing insurance may not be enough

for a serious covered claim.

Umbrella Insurance can provide an additional layer of personal liability

coverage above certain underlying policies, subject to policy terms, limits and eligibility.

What Can Umbrella Insurance Help With?

Additional Coverage When Liability Goes Beyond Certain Underlying Limits

Your Auto or Homeowners Insurance may already include liability coverage. An Umbrella Insurance policy can provide additional liability protection in certain covered situations after applicable underlying coverage is reached.

Exactly how coverage applies depends on the policies involved, their limits, exclusions and the circumstances of the claim.

Applicable Underlying Coverage

Auto Home

01

Additional Personal Liability

Umbrella insurance may provide additional personal liability coverage for certain covered claims that exceed applicable underlying policy limits.

02

Auto-Related Liability

A serious covered auto accident can result in significant liability costs. An umbrella policy may provide additional coverage above applicable underlying auto liability limits.

03

Home-Related Liability

Certain covered liability claims connected to your home or property may also qualify for additional protection under an umbrella policy.

04

Certain Legal Defense Costs

Depending on the policy and circumstances, umbrella coverage may help with certain covered legal defense costs.

05

Other Covered Personal Liability Situations

Some umbrella policies may provide protection for certain personal liability situations beyond what is covered by an underlying policy. Coverage varies by policy.

Umbrella Insurance Works With Other Coverage

Umbrella Insurance is generally designed to work alongside certain underlying insurance policies rather than replace them.

When Could an Extra Layer Matter?

Liability Can Reach Beyond the Things You Own

Umbrella Insurance is not only about having a large home or expensive car. The more useful question is whether a serious covered liability claim could exceed the limits available through your underlying insurance.

You Own a Home

Homeownership can create personal liability exposures that may be worth reviewing alongside your existing coverage.

You Drive

A serious covered accident may result in liability costs beyond the limits available through an Auto Insurance policy.

You Own a Rental Property

Rental-property ownership can create additional liability considerations. The policies involved and eligibility for umbrella coverage can vary.

Your Life or Coverage Has Changed

Changes in your household, property, vehicles or overall insurance needs — or simply not having reviewed your policies in a while — can be a good reason to revisit your liability limits.

Local Umbrella Insurance Guidance

Understand the Coverage Before You Choose It

Umbrella Insurance can involve more than simply choosing another coverage limit. The underlying policies, required liability limits, eligibility and covered situations can all matter.

The Nash Insurance Agency can help you review the bigger picture and understand the options available for your situation.

Local People

Work with a local insurance team in DeMotte, Indiana.

Straightforward Answers

We explain insurance in practical language without making the conversation unnecessarily complicated.

Guidance Around Your Existing Coverage

We can help you look at how Umbrella Insurance may fit alongside your other applicable insurance policies.

A Team You Can Call

When you have questions, you have a local agency you can contact.

Already Have Umbrella Insurance?

Your liability needs and underlying insurance can change over time.

Common Umbrella Insurance Questions

Straightforward answers to questions renters often ask. If yours isn't here, we're a phone call away.

Umbrella Insurance is a form of additional personal liability coverage. It may provide coverage in certain situations when applicable underlying liability limits have been reached, subject to the umbrella policy's terms, limits and exclusions.

Umbrella coverage generally works with certain underlying policies. When a covered liability claim exceeds an applicable underlying limit, the umbrella policy may provide additional coverage, subject to its terms and conditions.

Generally, no. Umbrella Insurance is designed to work with certain underlying insurance policies rather than replace them. Required underlying policies and limits can vary.

It may provide additional liability coverage for certain covered auto claims after applicable underlying liability coverage is reached. Coverage depends on the policies and circumstances involved.

Certain covered personal liability claims involving a home or property may qualify for additional umbrella coverage. The exact protection depends on the underlying and umbrella policies.

Some umbrella policies may extend to certain eligible rental-property liability exposures, but coverage and requirements vary. If you own rental property, discuss the specific property and policies with your insurance agent.

There is no single amount that is right for everyone. Existing liability limits, household circumstances, property, vehicles and other factors may all be relevant when considering coverage.

Yes. The Nash Insurance Agency can help you review your current insurance situation and discuss how Umbrella Insurance may fit with applicable underlying coverage.