Get Competitive Umbrella Insurance Quotes from Our Trusted Insurance Partners

Life is unpredictable and even with home or auto insurance, liability risks can still threaten your financial stability. Personal umbrella insurance offers an extra layer of protection when your existing policies reach their limits. It’s the safeguard that helps keep everything you’ve worked for secure.

Umbrella insurance provides additional liability coverage above and beyond your standard home, condo, auto, or recreational insurance policies. It kicks in when your base policy’s liability limit is exhausted, helping cover legal defense costs, judgments, and settlements that could otherwise become personal out-of-pocket expenses.

Why Umbrella Insurance Matters Imagine you're at fault in a serious car accident where the injured party sues for $1.5 million in damages—but your auto policy only covers $1 million. Without umbrella insurance, you’re responsible for the additional $500,000. With umbrella insurance, you’re covered.

What Does Umbrella Insurance Cover?

- Bodily Injury: Covers medical bills and lost income of other people you may injure in an accident.

- Personal Injury: Covers you against claims like libel, slander, or false arrest.

- Property Damage: Helps cover the cost to repair or replace someone else's property.

- Landlord Liability: Protects you if you’re found liable for injuries or damages on your rental property.

Is Umbrella Insurance Right for You? Umbrella coverage is ideal if you:

- Own a home, condo, cottage, rental property, boat, or snowmobile

- Travel frequently, even for short business trips

- Host guests, volunteer, or carpool children regularly

- Sit on a board or are active in community organizations

Why Choose Vanguard for Umbrella Insurance?

- Personalized advice from licensed brokers

- Coverage recommendations based on your full insurance portfolio

- Access to multiple insurance partners to find the best value

- Full support in the event of a claim

Let Vanguard help you protect your future with a custom umbrella policy. Request your quote today.