Umbrella Insurance Policies

What Is an Umbrella Insurance Policy?

Liability policies protect you against lawsuits, when someone blames you for injuries or damages to their property.

An Umbrella is a liability policy that picks up where the liability in your auto policy and your homeowner’s policy leaves off. The key to getting it right is making sure you have enough coverage in the auto and home policies to meet where the umbrella benefit starts.

If you get that wrong, you could be on the hook for tens of thousands of dollars if a gap exists between the two policies. Don’t leave it to chance. Here at Coste, we’ll help you get it right

When to Consider an Umbrella Policy

  • If you engage in leisure sports, you need an umbrella policy.
  • If you belong to volunteer organizations or clubs, you need an umbrella policy.
  • If you have many assets, you need an umbrella policy.
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