Umbrella Insurance
A serious accident or lawsuit can exceed your home and auto liability limits fast, and when it does, your personal assets are exposed. Umbrella insurance adds a real layer of protection on top of what you already have, at a surprisingly low cost.
What it covers
- Liability beyond your home policy's limits
- Liability beyond your auto policy's limits
- Coverage for certain lawsuits standard policies exclude (libel, slander)
- Legal defense costs, which can add up even in cases you win
Who it's for
Homeowners, landlords, and anyone with meaningful assets to protect, real estate, retirement savings, a growing income, especially if you have a pool, trampoline, dog, or teenage driver, all of which raise real liability exposure.
Why Firehouse
This is one of the most underrated policies we sell, and we bring it up proactively during every home and auto review, not just when asked, because most people genuinely don't know it exists until they need it.
Frequently asked questions
How much does umbrella insurance cost?
It's often surprisingly inexpensive for the protection it adds, since it only pays out after your underlying policy limits are exhausted, your advisor can quote your specific situation.
Do I need to raise my home/auto limits first?
Most umbrella carriers require minimum underlying liability limits on your home and auto policies, we'll check yours and adjust if needed as part of setting this up.
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