Personal umbrella insurance, for the claim bigger than your policy.
An umbrella adds liability coverage above your home and auto limits, usually in $1 million layers. Blue Ridge Insurance coordinates it with your underlying policies so there are no gaps.
It starts where your other policies stop.
If you cause a serious accident and the judgment is larger than your auto liability limit, the umbrella pays the difference up to its own limit. The same applies to injuries on your property beyond your homeowners liability.
Umbrellas also often cover some claims your underlying policies don’t, such as certain libel or slander claims, subject to the policy terms. Your carrier will require minimum limits on your home and auto first, and we line those up for you.
An umbrella makes sense if you have
- A home or rental property
- Teenage or young drivers
- A pool, trampoline or dog
- Savings or future income to protect
- Boats, ATVs or other recreational vehicles
Add an umbrella to your coverage.
Tick Personal Insurance and tell us about your home and vehicles. We’ll check your underlying limits and quote the umbrella alongside them.