Nadler Insurance — Since 1927

Umbrella Insurance

An umbrella policy adds an extra layer of liability protection on top of your auto and home policies — protecting your assets when a major claim exceeds your regular coverage.

What Umbrella Insurance Covers

Excess Liability

When your auto or home policy limits are exhausted, umbrella coverage kicks in. It provides an extra layer of protection — typically $1 million or more.

Broader Coverage

Umbrella policies often cover claims that your underlying policies don't, like libel, slander, or false arrest — giving you broader protection overall.

Legal Defense Costs

Legal fees add up fast, even if you're not at fault. Umbrella insurance pays for attorneys, court costs, and settlements on covered claims.

Worldwide Coverage

Umbrella protection follows you everywhere — at home, on vacation, or traveling abroad. Liability doesn't stop at state lines.

Who Should Consider Umbrella Insurance?

  • Homeowners. If you own property, you have assets worth protecting from lawsuits.
  • Parents with teen drivers. Young drivers are higher risk. Umbrella coverage provides peace of mind.
  • Pool or trampoline owners. Attractive nuisances increase your liability exposure significantly.
  • Landlords. Rental properties bring additional liability risk that umbrella coverage can help address.
  • Anyone with savings. If you've built wealth, protect it from being wiped out by a lawsuit.

Umbrella Sits on Top of Your Auto and Home

An umbrella policy requires underlying auto and home (or renters) coverage to sit on top of. Keeping those policies with us lets us align the limits correctly, close coverage gaps, and bundle everything for a multi-policy discount.

Auto Insurance

Umbrella requires minimum auto liability limits underneath it. We'll make sure your auto policy qualifies and aligns.

Homeowners Insurance

Pair your umbrella with your home policy so both sit with one advisor — and earn a multi-policy discount.

Renters Insurance

Renting? An umbrella can sit over your renters and auto policies to protect your savings and future income.

Review My Coverage

Frequently Asked Questions

Do I need umbrella insurance?
If you have assets to protect — a home, savings, investments, future income — umbrella insurance is worth considering. A serious accident or lawsuit can easily exceed your auto or home policy limits. Umbrella coverage protects the life you've built.
How much umbrella coverage should I get?
A common rule of thumb is to get umbrella coverage equal to your net worth. Most people start with $1 million, but if you have significant assets or high-profile exposure, $2-5 million may be appropriate. We'll help you assess your risk.
How much does umbrella insurance cost?
Umbrella insurance is surprisingly affordable — typically $150-$400 per year for $1 million in coverage. The first million is the cheapest; additional millions cost even less per dollar of coverage.
What's not covered by umbrella insurance?
Umbrella insurance doesn't cover intentional acts, business-related claims (you need commercial coverage for that), your own injuries, or damage to your own property. It's purely liability protection for claims against you.
Do I need to increase my auto and home limits first?
Yes. Umbrella policies require minimum underlying limits on your auto and home insurance — typically $250,000/$500,000 bodily injury and $100,000 property damage for auto. We'll make sure your policies are aligned.

Ready to add umbrella protection?

$1 million in extra liability coverage for about $1/day. Let's talk.

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