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Home > Personal Umbrella Insurance | Kansas City & Independence MO | Auto Insurance Discounters

Personal Umbrella Insurance


Personal Umbrella Insurance Information

Also Serving St. Louis, Springfield, Wichita & other areas in Missouri, Kansas, Oklahoma & Texas

Now Offering Quality Coverage Through Progressive

When you drive a car, operate a boat or entertain guests at home, you are responsible for doing so safely. After all, negligence or mistakes on your part could cause harm not only to you but also to other people. You might have to pay for the necessary recovery costs, not only your own but also others’.

To help you cover the costs of at-fault accidents, multiple personal insurance policies offer liability insurance. However, liability policies, like all other types of coverage, have their limits. Still, a high liability lawsuit might easily exceed your plan limits and put you on the line for a big financial loss. So, if you want additional liability coverage, then consider investing in a personal umbrella policy with the help of Auto Insurance Discounters.

We proudly offer quality personal umbrella insurance provided by Progressive®. To get the plan that offers the best benefits for you and your family, just call us at (866) 288 - 6545 or get a quote now.

Common Personal Umbrella Insurance Questions

What Is Personal Umbrella Insurance?

All liability policies contain limits on how much they will pay you for claims. Even if someone’s claim is more than the policy limit, you will only receive coverage up to that limit. Any claims that exceed the amount of a policy’s limit must be paid, however.

To fill in the gap left after your liability policy pays, you might be able to turn to your personal umbrella insurance. After your standard liability policy has paid to its limits, your umbrella plan can step in to pay the remaining costs. This will help you avoid paying for costly liability claims out of your own pockets.

What Does A Personal Umbrella Policy Cover?

Liability insurance helps you pay for property damage, bodily injuries, and various other losses that you cause to others. For example, if you cause a car wreck, then your car insurance’s liability coverage will help you pay others (who were not riding in a car with you) for their injuries or vehicle damage.

Still, you can’t guarantee that a third party’s liability claim will fall below your policy limits. That’s why an inexpensive, accessible umbrella insurance policy is a great way to extend your protection and settle whatever liability claim comes your way.

Suppose, for example, that you have homeowners insurance with a $500,000 liability coverage limit. Still, a guest slips in your home sustains a severe injury and then sues you for $1 million in medical bills, lost income, and other damages. If you have to settle with the injured person, then the $500,000 that your standard liability insurance might provide may not be enough to cover the full claim.

However, once your standard policy pays to its $500,000 limit, you can make a claim on your umbrella policy. That way, you won’t have to pay $500,000 in additional losses out of your own pocket.

Who Needs A Personal Umbrella Policy?

The great thing about umbrella policies is that they are usually very affordable considering the amount of coverage you can receive. They usually offer at least $1 million in excess liability coverage, and some policies even cover the full costs of liability claims that a standard policy won’t cover at all.

Plus, a personal umbrella policy is unique because one policy can apply to several different personal insurance policies at one time. With one plan, you might extend extra liability protection to your:

  • Car Insurance
  • Homeowners Insurance
  • Boat Insurance
  • RV Insurance
  • Motorcycle Insurance

To insure businesses, you can also buy commercial umbrella insurance separate from a personal policy.

  • Hartford
  • Traders

  • Dairyland
  • Progressive
  • Travelers
  • Key Insurance
  • Cornerstone Group
  • GuideOne
  • Nationwide
Our Locations
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Independence, MO
1312 South Noland Rd. | Independence, MO 64055 | 816.252.2255
Kansas City, MO
1151 Cleaver II Blvd. | Kansas City, MO 64110 | 816.822.7722
Kansas City, KS
4038 State Ave. | Kansas City, KS 66102 | 913.371.2255
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