Umbrella Insurance in
Chandler, Arizona
When your home or auto liability limits run out, umbrella insurance picks up where they leave off. For about $200/year, get $1 million or more in additional protection for your assets, savings, and future income.
Real Scenarios Where Umbrella Insurance Saves You
These aren't hypotheticals — these are real situations that happen to ordinary families in the East Valley every year.
Serious Auto Accident
You cause a multi-car accident with significant injuries. Medical bills and lawsuits total $850,000. Your auto policy covers $300,000. Your umbrella covers the remaining $550,000.
Injury on Your Property
A neighbor falls at your Chandler home and sustains a traumatic brain injury. The lawsuit totals $600,000. Your home liability covers $300,000 — umbrella covers the rest.
Teen Driver Accident
Your 17-year-old causes a serious accident. Your auto policy limits are quickly exceeded. Umbrella insurance prevents a lawsuit from wiping out your savings.
Rental Property Liability
A tenant or visitor is injured at your rental property. Your landlord policy liability limits are exhausted — umbrella steps in to pay the remaining damages.
How Umbrella Insurance Works
Umbrella insurance sits above your existing home and auto policies as an extra layer of liability protection. When a covered claim exceeds your underlying policy limits, your umbrella policy activates and pays the remaining amount — up to your umbrella policy's limit.
Most umbrella policies also provide broader coverage than your underlying policies — covering certain claims that your home and auto policies might exclude entirely, such as defamation, false arrest, or invasion of privacy claims.
Umbrella Insurance FAQs
$200/Year to Protect Everything You've Built
Add umbrella insurance to your existing home and auto policies today.