Umbrella Insurance

Yes. Renters liability limits are often too low for major claims.

Umbrella policies are usually affordable for the protection provided.

Yes. It can cover legal defense and settlement costs.

Business liability typically requires a separate policy.

Turnaround varies by carrier and underlying policies. We will confirm timing once we review your details.

Yes. We can include rental exposures in the umbrella policy.

Most carriers require higher auto and home limits before adding umbrella.

Property and liability insurance refers to the two fundamental pillars of personal insurance protection. Property insurance covers physical assets — your home, vehicle, or personal belongings — against damage, theft, or destruction. Liability insurance covers the financial cost when you are legally responsible for injury or damage to others. A standard homeowners or renters policy bundles both: Coverage A through D handle property, while Coverage E and F handle liability. A personal umbrella policy extends the liability layer by adding $1 million or more in coverage above your existing home and auto liability limits — providing protection for serious claims that could otherwise exhaust your underlying policies.

Excess liability coverage sits above your primary insurance policies and pays after those limits are exhausted. A true excess liability policy follows the exact terms of the underlying primary policy — it provides no additional coverage beyond extending the dollar limit. A personal umbrella policy is broader: it can cover situations not included in the underlying policies, such as personal injury liability (libel, slander, false arrest) and some international incidents. Dragon Insurance writes personal umbrella policies from $1 million to $5 million that provide the broader protection most homeowners need, often for $300 to $500 per year.