Umbrella Insurance in Kentucky

Umbrella insurance provides an extra layer of liability protection when the limits on your auto, home, or other policies aren't enough. It's designed to help protect your savings, property, and future from large claims or lawsuits.

Extra Protection When the Unexpected Happens

Umbrella insurance kicks in after your underlying policies (like auto or home) reach their liability limits.

Example scenario:

If you're involved in a serious auto accident and damages exceed your auto policy's limits, umbrella insurance can help cover the remaining costs - protecting your assets and future income.

For many households, umbrella coverage is an affordable way to gain significant peace of mind.

Is Umbrella Insurance Right for You?

Umbrella insurance is often recommended for:

Multi-vehicle households

Families with teen drivers

Boat, ATV, or RV owners

Property owners with land or rental properties

Farms and rural properties with visitors

Anyone with savings or assets worth protecting

What's Included - and What's Not

What It Covers:

• Additional liability above auto, home, boat, or RV policies
• Coverage for lawsuits and large liability claims
• Some claims not fully covered by underlying policies
  

What It Typically Does Not Cover:

• Damage to your own property
• Intentional acts
• Business-related liabilities (separate policies are needed)
  

Understanding Underlying Policy Requirements

Umbrella policies require certain minimum liability limits on your auto, home, or other policies. This ensures the umbrella only responds to larger claims.

We'll review your existing coverage and let you know:

Coverage for Rural Kentucky Lifestyles

In Eastern Kentucky, umbrella insurance is often used to protect against risks tied to:

Easy Umbrella Reviews During Policy Checkups

Add an Extra Layer of Protection

Umbrella insurance is often more affordable than people expect. Let's review your policies and see if it makes sense for you.