Umbrella Insurance
Maximum coverage on top of your home and auto policies for pennies on the dollar — protection from catastrophe and bankruptcy.
What Is Umbrella Insurance?
We buy insurance for unforeseeable events — and sometimes those events are bigger than we could ever expect. An umbrella policy adds an extra layer of liability coverage above your auto and home limits for situations like a guest seriously injured on your property, a car accident that leaves someone permanently disabled, or a party guest who gets hurt after leaving your home. For around a dollar a day, you can protect yourself from catastrophic loss and bankruptcy. If a judgment exceeds your base policy limits, the umbrella is what stands between the claim and your savings, your home, and your future income.
Why Umbrella Insurance Matters
If you've built up assets, you have a target on your back — people sue, and jury awards regularly blow past standard policy limits. Nowhere else in insurance do you get this much coverage per premium dollar: typically $1 million or more of additional protection for less than most people spend on streaming subscriptions. It's one of the best buys in all of insurance.
Who Needs Umbrella Insurance?
Homeowners, landlords, parents of teen drivers, boat and pool owners, and anyone with equity, savings, or future earnings worth protecting. If your net worth exceeds your liability limits — and for most homeowners it does — you should price an umbrella.
Coverage Highlights
- Additional liability limits above auto and home policies
- $1 million+ in coverage, typically for around a dollar a day
- Coverage for serious injury claims and lawsuits
- Legal defense costs
- Extends over boats, ATVs, and rental properties
- Protection for savings, home equity, and future income
Local Considerations
Liability risk in the OKC metro is heavily an auto story: nationally, the Insurance Research Council pegs the uninsured motorist rate at 14.0% — about one in seven drivers — and a serious at-fault accident on I-35 can generate claims well past a standard auto policy's limits. An umbrella also extends over boats, ATVs, and rental properties, which fits how a lot of our Norman clients actually live. We'll quote it with your home and auto — bundled, it's often cheaper than people expect.
How Our Quote Process Works
We Start with a Conversation
We take time to understand what you're trying to protect and what matters most to you.
We Shop Multiple Carriers
We compare options across 24+ insurance companies to find coverage that actually fits — not just the cheapest number on paper.
We Review for Gaps
We check for coverage gaps, exclusions, and structure — not just price — so you're not surprised later.
We Walk You Through It
We explain your options in plain English, answer questions, and help you make a confident decision.
Get a Umbrella Insurance Quote
We'll shop multiple carriers and walk you through your options — no obligation, no runaround.
Request a QuoteOther Coverage Options
Information is general in nature and may not reflect your specific situation. Contact us for personalized guidance.
Let's Talk About Your Umbrella Insurance
No sales pitch — just a conversation about what you need and what your options look like. We'll take it from there.