Personal Umbrella Insurance
Personal Umbrella Insurance Customer Service Options
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Personal Umbrella Insurance Information
Umbrella Liability Insurance
Crawford-Butz & Associates Insurance is trusted by thousands of Missourians in St. Louis and beyond to help them get top-quality personal insurance policies at affordable prices. We believe that your insurance should work for you, and we’re committed to making your search for coverage easy from start to finish.
If you’re looking for enhanced personal liability benefits, then no solution is better for you than personal umbrella insurance. This single benefit is versatile, adaptable and provides you with a high degree of coverage that you might not even know you need.
To get your policy now, just call us at or request your free quote online now!
Common Umbrella Insurance Questions
What is umbrella insurance?
To understand umbrella insurance, you must first understand liability insurance. A liability insurance policy is designed to help you pay when you make mistakes that harm others. It makes sure you can settle your differences without facing a significant financial blow yourself.
However, all liability policies will only pay up to their maximum limits, and there’s no guarantee that the losses you owe will fall within those limits. This is the point where umbrella insurance will offer assistance. If your standard liability policy reaches its limits, but you still owe other costs, then your umbrella benefits can step in to cover the difference.
Who is covered under an umbrella policy?
A single personal umbrella policy can apply to numerous liability policies at the same time, including:
It can also cover both you and anyone who lives in your home. So, if your spouse were to cause a wreck while driving your car, then your auto liability policy will pay up to its liability limits for the damage done to other involved drivers and their property. If the policy reaches its limit, then you can turn to your liability insurance for the requisite assistance.
Why do you need umbrella insurance?
You can’t guarantee that every instance of third-party harm will fall neatly into the limits of your standard liability benefits. Umbrella liability benefits will be there to protect you just in case.
Suppose that you have homeowners insurance with a liability limit of $500,000. A neighbor falls down your steps, sustains a severe injury, and sues you for $2 million worth of medical bills, lost income and other damages.
While your home insurance liability coverage will pay up to $500,000 toward these costs, that’s a $1.5 million difference between what you owe this neighbor. Umbrella liability insurance will help you pay for that gap in coverage. This affordable coverage will go above and beyond to help you get away from some of the most challenging accidents that life might throw your way.
When should you get umbrella insurance?
Anyone who wants to be prepared for a worst-case scenario should consider investing in umbrella coverage. This policy can cover multiple liabilities at once, and generally offers basic limits of more than $1 million as a starting point. These policies are also highly affordable, especially when weighing the significant and diverse benefits that you can recoup from your plan when the need arises.