Excess liability
Typically $1 million to $5 million of coverage above your auto and home liability limits.
Personal lines
Umbrella insurance
An extra million or more of liability sitting above your auto and home policies, for surprisingly little.
Sample: $21/mo14 carriers shoppedNo agency fee
Overview
What umbrella insurance is really for
An umbrella policy does one job: it starts paying where your auto and home liability limits stop. If a jury award exceeds your underlying limit, everything above it comes from your savings, your home equity and, in Missouri, potentially your future wages.
It is the cheapest coverage per dollar of protection we sell, and the one most often added after somebody's neighbor had a bad year.
What the policy includes
The coverages we build into every quote, plus the endorsements that matter in this metro.
Legal defense costs
Defense is usually paid in addition to the limit, which matters because litigation alone can run six figures.
Worldwide personal injury
Covers libel, slander and false arrest claims that standard home policies exclude or sublimit.
Rental property liability
Extends over landlord policies if you own a duplex or a rental house in the metro.
Watercraft and recreational vehicles
Boats on the Lake of the Ozarks, side-by-sides and similar toys, once the underlying policy is in place.
Uninsured motorist excess
Available at some carriers, protecting your own family when the at-fault driver has nothing.
How we place it
Four steps from your current policy to a better-fitting one.
- 1
Check underlying limits
Umbrella carriers require specific auto and home liability minimums before they will attach.
- 2
List the exposures
Teen drivers, pools, trampolines, dogs, rentals, boards you serve on.
- 3
Pick a limit
Most households start at $1 million. Step-ups to $2 million typically cost far less than the first million.
- 4
Place it with one carrier
Keeping auto, home and umbrella together avoids coverage gaps at the attachment point.
Why clients choose us for this
- Large protection for a small premium
- Legal defense typically paid outside the limit
- Covers exposures standard policies sublimit
- Especially valuable for households with teen drivers or rental property
What moves the price
- Number of drivers and vehicles
- More licensed drivers in the household means more exposure and a higher premium.
- Properties owned
- Each additional home or rental unit adds a rating step.
- Attractive nuisances
- Pools, trampolines and certain dog breeds affect eligibility more than price.
- Limit selected
- The jump from $1 million to $2 million is usually a fraction of the first million's cost.
Often written alongside
Coverages that overlap with this one, or fill the gap it leaves.
All coverage
Auto insuranceLiability, collision and uninsured motorist coverage written for how Missouri and Kansas drivers actually commute.
Home insuranceDwelling, contents and liability coverage built around Kansas City's hail, wind and older housing stock.
Business owners policyProperty, general liability and business income bundled for Kansas City shops, offices, studios and contractors.Umbrella insurance questions
If your question is not here, call the office. You will reach a licensed agent in Kansas City, not a queue.
If you own a home, have retirement savings or earn a professional income, a judgment above your auto liability limit can reach all of it. Umbrella coverage is how you cap that risk.
Most carriers want 250/500/100 on auto and $300,000 to $500,000 of home liability. If your limits are lower, we raise them first, and that increase is usually modest.
Personal umbrellas exclude business activities. If you run a company, we would look at commercial umbrella coverage over your business owners policy instead.
Many personal umbrellas extend to uncompensated board positions at nonprofits. It is worth confirming per carrier, and we do that before binding.
Get this quoted properly
Send us your current declarations page and we will shop fourteen carriers, then tell you plainly whether moving is worth it.
No fee for our work. No obligation to switch. Usually a same-day written comparison.