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Umbrella Insurance

Umbrella Insurance

You’ve worked hard to get here. An umbrella policy will help protect what you’ve accomplished.

A personal umbrella policy protects the life you’ve built from uncertainty by increasing the liability limits on your auto, home, or other personal insurance policy by a million or more dollars. Sound expensive? It probably costs less than you think.¬†LeschWilliams Insurance Agency offers coverage from over a dozen quality insurance companies to get you the coverage you need for a great price. Contact us or request quotes to get started.

Umbrella Insurance Coverage

Personal LiabilityCovers bodily injury or property damage that you cause to another, in excess of your homeowner policy limits.
Auto LiabilityCovers bodily injury and/or property damage that you cause to another party with your vehicle, in excess of your auto policy limits.
Uninsured / Underinsured LiabilityCovers bodily injury you sustain as a result of an accident with a driver who has too little or no insurance, in excess of your auto policy limits.

Frequently Asked Questions


What does umbrella insurance cover?

A personal umbrella policy increases the liability coverage on your primary policies. For example, assume you have an auto insurance policy with a $500,000 liability limit and a personal umbrella with a $1,000,000 limit. If you or a covered family member are involved in an at-fault auto accident with a total loss in the amount of $750,000, your auto insurance will only pay the policy limit of $500,000. Your umbrella policy will kick in after the auto policy limits are exhausted to pay the additional $250,000, effectively increasing your limits to $1,500,000. It works the same if you experience a loss on your home, boat, or another primary insurance policy.

How much does umbrella insurance cost?

Probably less than you think. The cost varies based on several factors but $1M in coverage can often be purchased for a few hundred dollars per year.

Am I eligible for any discounts?

Most likely! There are many different discounts available from our insurance company partners. Some of the most common discounts are:

  • Multi-policy discount
  • Homeowner discount
  • Claims free discount
  • Paid in full discount
  • Many more


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