Umbrella insurance

An extra layer over everything you’ve protected.

Umbrella insurance is the quiet safety net for the rest of your coverage — extra liability that steps in when a serious claim blows past your home and auto limits.

Get your quote Call (727) 369-1436

The safety net

When the unthinkable runs past your limits.

A serious at-fault accident or lawsuit can easily exceed standard home or auto liability limits — and you’re personally on the hook for the rest.

An umbrella policy adds a layer of liability protection on top of your existing coverage, usually in million-dollar increments, for a surprisingly modest cost. It’s the most protection per dollar Tyler can offer.

What it covers

What an umbrella adds.

Extra liability over home & auto

Picks up where your underlying policy limits stop.

Legal defense costs

Attorney and court costs, often beyond the policy limit itself.

Certain personal-injury claims

Coverage for claims like libel, slander, and defamation.

Broad, follow-you protection

Liability coverage that travels with you, not just your address.

Rain falling on water — a metaphor for protection from life’s storms

More protection per dollar

Big protection, small price.

Because umbrella coverage only kicks in above your existing limits, it’s one of the most cost-effective policies available — often a few hundred dollars a year for a million dollars of additional protection. For homeowners, boaters, and families, it’s peace of mind that’s hard to beat.

Who it’s for

People who have something to protect.

If a major claim could reach past your home and auto limits to your savings, an umbrella is worth a look.

Homeowners with assets to protect
Families with teen drivers
Boat and watercraft owners
Landlords and rental owners
Anyone with public visibility
Growing household net worth

Good questions

Umbrella, answered.

Do I really need umbrella coverage?

If your assets are worth more than your current liability limits, an umbrella helps protect the difference. Tyler can look at your full picture and tell you whether it makes sense — and how much.

How much does an umbrella policy cost?

Because it sits above your existing coverage, umbrella insurance is typically very affordable for the protection it provides — often a few hundred dollars a year for $1 million in added liability.

What does an umbrella sit on top of?

It extends your home and auto liability, so carriers usually require certain underlying limits first. Tyler can structure your home and auto so an umbrella fits neatly on top.

Let's get you covered

Add a layer of real peace of mind.

Let Tyler show you how affordable an extra million in protection can be over your existing coverage.

Get your quote Call (727) 369-1436

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