Umbrella Insurance

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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.


  • Personal Liability Coverage
  • Uninsured Motorist Coverage
  • Underinsured Motorist Coverage
  • And more


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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