Plans & Coverage
Umbrella Insurance
Umbrella insurance extends your liability coverage beyond the limits of your home, auto, and other policies. When a serious accident or lawsuit exceeds your underlying policy limits, your umbrella policy kicks in — protecting your savings, your home equity, and your future income. Most people can get $1 million in extra coverage for $200–$400 per year.
What it covers
An umbrella policy covers liability claims that exceed your home or auto limits, including bodily injury, property damage, and personal liability situations like defamation or rental property incidents. It also typically covers legal defense costs.
Who needs it
If you own a home, have significant savings or retirement assets, employ workers at your home, have teenage drivers, own a rental property, or have a swimming pool or trampoline — an umbrella policy makes sense. The cost is low relative to the protection.
How it works with your existing policies
Umbrella coverage sits above your underlying policies. Your home and auto insurance pay first; once those limits are exhausted, the umbrella takes over. Most carriers require minimum underlying limits of $300,000–$500,000 on home and auto before issuing an umbrella.
Questions, answered
How much umbrella coverage do I need?
A common rule of thumb: at least enough to cover your net worth. For most families, $1–2 million provides solid protection. We'll help you assess your exposure and find the right limit.
Does umbrella cover business activities?
Personal umbrella policies typically exclude business activities. If you run a business from home or have commercial liability, we'll make sure your umbrella and business policy together close that gap.
Is umbrella insurance expensive?
No — it's one of the best values in insurance. A $1 million umbrella policy typically costs $200–$400 per year. We compare umbrella rates across multiple carriers.
Talk to a local La Crosse area advisor
Free, no pressure — we compare your options for you.