Umbrella Insurance

Don’t be caught without an umbrella. Umbrella insurance protects you on your worst day.
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You already have home or auto insurance, but if you’re involved in a serious accident, the coverage in your policy may not be enough. Umbrella insurance provides extra liability coverage to help protect you and your family after a covered loss results in a large lawsuit.

When to consider umbrella insurance

While anyone can benefit from having umbrella insurance, those who are exposed to more risks should absolutely consider adding it onto their home or auto insurance policy. Do you:

  • Own any significant assets in addition to your home
  • Own a trampoline or pool
  • Own rental property
  • Drive during rush hour or have a long commute
  • Coach kids’ sports
  • Own a dog
  • Engage in sports that could injure others (e.g., skiing or hunting)

What an umbrella policy covers

Here are a few examples of how the extra liability, personal injury and legal expense protection provided by umbrella insurance could help you.

Liability Coverage

  • What is it? Claims that may not be covered by the personal liability limits of your auto or home policy.
  • When you may need it: You cause a multi-vehicle accident and the costs quickly exceed the limits on your current auto policy.

Personal Injury Coverage

  • What is it? Protection against claims of libel, slander, false arrest, character defamation and mental anguish.
  • When you may need it: You get into an argument with a neighbor and post about it on social media. Your neighbor sees the post and sues you for character defamation.

Legal Expense Coverage

  • What is it? For attorneys’ fees and costs associated with claims against you that are covered by your Personal Umbrella policy but may not be covered by your home or auto policies.
  • When you may need it: You’re in a car accident and severely injure someone, requiring the person to have surgery and months of physical rehabilitation.

Before you add umbrella insurance

Your home and auto policies must meet minimum coverage requirements before you can add an umbrella policy. Work with your independent insurance agent to increase your insurance coverage, if necessary, when completing your umbrella insurance application.1

Find peace of mind

With Personal Umbrella insurance, you don’t have to worry about the “what ifs.” Stop worrying and start living. Speak with your local independent Grange agent about adding Personal Umbrella coverage to your home or auto insurance policy. Or get a quote from an independent agent near you!


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Why we work with independent insurance agents

1 – Minimum coverage limits for Auto Bodily Injury ($250,000/500,000) and Property Damage ($100,000) and Home Comprehensive Personal Liability ($300,000) are required to apply for Personal Umbrella. Some primary policies may need to meet additional minimum coverage requirements not listed.

*Available coverages and discounts may vary by state. Please contact your Grange Independent Agent to discuss coverage details, discounts and eligibility requirements. For specific coverage details, always refer to your policy. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies.