Umbrella Insurance For Added Peace of Mind
Extra protection with umbrella insurance
A personal umbrella policy adds an extra layer of liability coverage above your homeowners insurance and auto insurance. Tate Insurance Group helps families choose higher limits that can protect savings, income, and future plans if a serious claim exceeds your underlying policies.
How an umbrella policy works
An umbrella kicks in after underlying limits are exhausted. If an at-fault auto accident or a guest injury at your home surpasses your primary liability coverage, the umbrella can extend protection by one to five million. We confirm the required underlying limits and coordinate all policies with one renewal schedule.
Who should consider umbrella coverage
Homeowners, landlords, pool owners, boaters, and parents of teen drivers often benefit from higher limits. People with growing assets or a high public profile may want extra protection as well. If you run a company, ask about a commercial solution under business insurance since personal umbrellas generally exclude business activities.
Go Beyond Basic Coverage
Frequently Asked Questions About Umbrella Insurance
How much umbrella coverage should I have?
Many start at one million and increase based on assets, income, and risk factors like youthful drivers or rental properties.
What underlying coverage do I need first?
Carriers usually require specific minimums on homeowners insurance and auto insurance before adding an umbrella. We will confirm and adjust your base policies.
How much does an umbrella cost in Tennessee?
Often a few hundred dollars per year for the first million, with incremental increases for higher limits.
Does a personal umbrella cover business liability?
No. For company exposures, consider options under business insurance including a commercial umbrella.
Can one umbrella cover multiple homes and vehicles?
Yes. One policy can sit over several underlying policies when coordinated through the same agency.
