Umbrella INSURANCE
Extra Protection.
Extra Protection.
Greater Confidence.
Umbrella insurance can provide an extra layer of liability protection beyond the limits of your home, auto, and other qualifying policies.
PROTECT WHAT YOU’VE BUILT
Life can be unpredictable, and a serious liability claim can put your savings and assets at risk. Umbrella insurance can provide additional protection when a covered claim exceeds the liability limits of your underlying policies.
Depending on your policy, coverage may help with:
Provides extra liability coverage above the limits of certain underlying policies.
May help with qualifying costs if you are legally responsible for injuries to another person.
May help cover certain property damage for which you are legally responsible.
Coverage may help with qualifying legal defense expenses related to a covered liability claim.
Helps provide another layer of financial protection for your savings, property, and future income.
COVERAGE OPTIONS THAT FIT YOUR NEEDS
Everyone’s financial situation is different. Benchmark Insurance can help you understand how umbrella coverage works with your existing policies and choose limits that fit your needs.
Personal Umbrella Liability
Provides additional personal liability protection above qualifying underlying policy limits.
Auto Liability Protection
May extend liability protection beyond the limits available under your auto insurance policy.
Home Liability Protection
May provide additional liability coverage beyond qualifying homeowners, renters, or condo policy limits.
Landlord Liability Protection
Depending on the policy, umbrella coverage may provide additional liability protection for qualifying rental properties.
Legal Defense Coverage
May help with certain legal defense costs associated with a covered liability claim.
Additional Coverage Options
Ask about available limits, qualifying underlying policies, exclusions, and other umbrella coverage options.
EXTRA PROTECTION
WHEN IT MATTERS MOST
Umbrella insurance adds another layer to your overall insurance plan. Benchmark Insurance helps you understand where your existing liability coverage ends and where additional protection may begin.
Here’s what you can expect when you choose us:
Coverage options explained in plain language
Guidance based on your assets and liability exposure
Help reviewing your existing policy limits
Personal service without unnecessary pressure
Support as your insurance needs change
Frequently Asked Questions
What is umbrella insurance?
Umbrella insurance provides additional liability protection above the limits of certain underlying insurance policies, such as auto or homeowners coverage.
Who should consider umbrella insurance?
Umbrella coverage may be worth considering if you have significant assets, own property, have teenage drivers, own rental property, entertain guests frequently, or simply want additional liability protection.
How does umbrella insurance work?
If a qualifying liability claim exceeds the limit of an underlying policy, umbrella insurance may provide additional coverage up to the limits of the umbrella policy.
How much umbrella insurance do I need?
The amount you may want depends on your assets, income, liability risks, existing insurance limits, and the amount of financial protection you want.
Is umbrella insurance expensive?
Cost varies based on the amount of coverage, your underlying policies, household risks, number of vehicles or properties, and other underwriting factors.
Does umbrella insurance cover everything?
No. Umbrella policies have exclusions and generally do not cover every type of claim. Coverage depends on the policy terms and the underlying insurance requirements.
Contact Benchmark
Let’s Protect What Matters Most to You
Tell us about your current coverage, ask a question about umbrella insurance, or request a personalized quote.
