Umbrella Insurance

An extra layer of protection when you need it.

Umbrella insurance to suit your lifestyle.

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Experiencing a major insurance claim or lawsuit could lead to personal financial loss if costs exceed coverage provided by your standard homeowners and auto policies. We’ll help protect your financial future.

Every insurance policy has its limits from Illinois homeowners insurance to auto insurance. But what happens if you have a claim that costs more than your policy limits? This is where personal umbrella insurance comes in.

Personal umbrella insurance provides excess liability coverage over and above the limits of your other policies. It can also cover incidents that are excluded in your other policies.

What does personal umbrella insurance cover?

Illinois umbrella insurance typically covers the same incidents that other policies like home and auto insurance cover, but with higher limits. These incidents include:

  • Car accidents
  • Personal injury
  • Property damage
  • Medical fees
  • Legal fees
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Property Damage Liability
Risk Factor

You can be held responsible if you significantly damage another vehicle and/or property. Do you have enough coverage to protect yourself from the risk?


Your standard auto policy limit could easily be exhausted if you are found to be at fault. An umbrella or excess liability policy provides an extra layer of protection once your standard liability limits are exhausted. It’s a cost-effective way to ensure the peace of mind you deserve.

Bodily Injury Liability
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into a pedestrian, bicycle, or another vehicle. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


An umbrella or excess liability policy helps extend your coverage to better protect you against these significant costs. It’s the ideal coverage to provide peace of mind, even when the unthinkable happens.

Risk Factor

You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?


An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies - providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Watercraft Liability
Risk Factor

Accidents can happen to anyone at any time, even those who have been out on the water for years. Personal watercraft insurance is a necessity, but sometimes the limit these policies provide isn't enough.


Your standard watercraft policy limit could easily be exhausted if you are found to be at fault for property damage or personal injury. An umbrella or excess liability policy can extend those limits, providing you an additional layer of financial protection.

For example, umbrella insurance will cover you if your house guest slips on a wet kitchen floor or if your dog bites the neighbor. However, umbrella insurance will only benefit you if you already have existing personal insurance in place such as home insurance and auto insurance.

Do you need personal umbrella insurance?

If you have other types of personal insurance coverage like Illinois homeowners insurance and auto insurance, you may still need personal umbrella insurance. You should consider purchasing this type of coverage if:

  • You are at a high risk of being sued: Your risk is higher if you own a trampoline or hot tub, host large parties or are a public figure
  • The value of your assets are higher than your home insurance and/or auto insurance policy limits

Personal umbrella insurance can provide you with the extra layer of protection that you need to protect your financial assets and avoid hefty legal fees. At Reliant Agency, our purpose is to protect you from the unexpected with cost-effective coverage. As a leading Illinois insurance agency, we partner with an extensive list of top-rated insurance agencies across the country to bring you the best coverage possible. Request a quote below or give us a call today to talk through your options!

Umbrella Insurance - Family Having Fun Outside of Their Home

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