Umbrella Insurance

Umbrella insurance is a type of personal liability coverage that goes above and beyond the limits of your existing policies—like auto, home, or renters insurance. Think of it as a financial safety net. If you’re found legally responsible for injuries or damages that exceed your base policy limits, umbrella insurance helps cover the additional costs. 

Key Benefits of Umbrella Insurance 

• Extended Liability Coverage: Providing additional protection for bodily injury and property damage for an accident, umbrella insurance extends the liability coverage of your existing policies. 

• Protection Against Lawsuits: Lawsuits can arise from various situations, such as accidents, injuries, or property damage. Umbrella insurance can help cover legal fees, settlements, and judgments, ensuring that you are not financially burdened. 

• Coverage for Personal Liability: Umbrella insurance covers personal liability claims, including defamation, libel, and slander. Protect yourself from the financial consequences of these claims. 

• Worldwide Coverage: Our umbrella insurance policies offer worldwide coverage, protecting you no matter where you are. Whether you're traveling or living abroad, you can rest assured that you are covered. 

Who Needs Umbrella Insurance? 

You don’t have to be a high-net-worth individual to benefit from umbrella coverage. If you: 

• Own property 
• Drive a car, motorcycle, or RV 
• Have a dog or host guests regularly 
• Coach youth sports or volunteer 
• Post reviews or content online 

...you could benefit from an umbrella policy. It’s designed to help protect your current assets—and your future earnings—from liability claims that exceed your standard policy limits. 

How to Get Started 

Contact a Grange Insurance Association agent near you in Washington, Oregon, California, Arizona, Idaho, Wyoming, or Colorado to learn more about umbrella insurance or to get a free, no-obligated quote. We’re here to make insurance simple, helpful, and centered around you.