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What Is Umbrella Insurance?

Umbrella insurance is excess liability coverage, above and beyond the underlying coverages from your primary Connecticut insurance policies, including auto, home, watercraft, motorcycle, as well as all other personal insurance policies.

Once the liability limits from the underlying policy are exhausted, an umbrella policy will kick in, with up to millions of dollars in additional coverage.  Additionally, an umbrella policy may give your broader coverage than your home policy.  For instance, while most homeowner policies do not cover libel or slander, most Connecticut umbrella policies do.

Why Carry Umbrella Insurance?

We live in a litigious society and lawsuits can have large judgments. If you have substantial assets (e.g., real property, investments, savings, even future earnings) to protect, you may want to consider an umbrella policy, especially if you have young drivers in your household. Statistics show they are more likely to cause such an accident.

What Limits and Deductibles of Umbrella Insurance Should I Carry?

Like the auto and home coverage, everyone’s individual situation is different and therefore coverage recommendations will vary. Umbrella coverage starts at $1 million and increases in million-dollar increments.

Contact Olde Liberty Insurance today for a comprehensive insurance review and a no-obligation, customized quote from some of the most reputable carriers in the state of Connecticut.

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We are committed to accurate quotes for insurance for residents throughout the state of Connecticut! Submit your information via this online form, and we will follow up, typically within a few business days.
  • Reports will be ordered to properly classify and rate your policy. These reports may include information about your claims and driving history, insurance score, and may include information about current and former members of your household. These reports provide information that may assist in determining your eligibility for insurance and the price you may be charged. Consumer reports may also be used for updates, renewals, or extensions of this insurance. We may also obtain and use a credit-based insurance score. We may use a third party in connection with the development of the insurance score. State privacy laws require that you are notified that personal information may be collected from sources other than yourself. This will include a loss history report showing your personal insurance claims history. Such information, as well as other information collected, may be disclosed in circumstances to third parties without authorization. A right to access and correction exists with respect to all personal information and a written notice will be furnished to you upon request.

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