Umbrella Insurance in Toledo, WA

Big Protection for Life’s Unpredictable Moments

Umbrella insurance is extra liability coverage that goes beyond the limits of your home, auto, or recreational vehicle policies. It's designed to kick in when a big claim threatens your financial stability—covering legal fees, medical bills, and damages that your standard policies can't.


For example, if you cause a serious car accident and the damages exceed your auto liability limits, an umbrella policy can cover the remaining costs—potentially saving your savings, home, or retirement account. In today’s world, that kind of peace of mind is more important than ever.

What Umbrella Insurance Covers (And Why It Matters)

Coverage that goes above and beyond

Umbrella insurance isn't just for the wealthy—it's for anyone who wants a safety net in case something big goes wrong. These policies typically start at $1 million in coverage and provide excess liability protection across your existing home, auto, and recreational vehicle policies.


In addition to large accident claims, umbrella insurance may also help with things like legal defense, libel or slander, and property damage you cause to others.

Coverage Highlights:


  • Excess Liability Protection:
    Covers claims that exceed the limits of your base policies (home, auto, rec vehicle).
  • Personal Injury Coverage:
    May include libel, slander, false arrest, or invasion of privacy.
  • Legal Defense Costs:
    Covers attorney fees even if you’re not found liable.
  • Worldwide Coverage:
    Protection follows you, even when traveling outside the U.S.

Is an Umbrella Policy Right for You?

You don’t have to be rich to be sued—just exposed

If you have assets worth protecting, umbrella insurance can be one of the smartest financial moves you make. It adds an extra layer of protection in case something happens that exceeds your primary policy limits.


Scenarios Where Umbrella Insurance Makes Sense:


  • You own property or rental homes
    A guest gets hurt on your property, and medical costs exceed your home insurance limits.
  • You have a teen driver on your auto policy
    Teen drivers are higher risk. Umbrella insurance helps in case of serious accidents.
  • You own recreational vehicles
     Boats, ATVs, and RVs increase your liability exposure.
  • You host guests or gatherings
    More foot traffic at your home means more chance of unexpected accidents.
  • You want peace of mind
     For a few hundred dollars a year, you can protect your future from a single major lawsuit.

Affordable Coverage That Goes a Long Way

You don’t have to spend much to protect everything you’ve worked for

A typical umbrella policy starts at around $1 million in coverage and can cost as little as $200–$400 per year depending on your risk factors. That’s a small price to pay for coverage that could protect your entire financial future.


We’ll review your current home and auto insurance policies, identify any coverage gaps, and help you decide if umbrella coverage makes sense for you.

What Locals Want to Know About Umbrella Coverage

Your Questions, Answered Simply

We break down the fine print into real-life answers

  • Does umbrella insurance cover my business too?

    No. Personal umbrella insurance only covers personal liability. Businesses need a separate commercial umbrella policy—ask us if you're unsure.

  • Is umbrella insurance really worth it?

    If you own a home, have savings, or just want extra protection, yes. One serious accident could wipe out your coverage limits fast.

  • What insurance do I need before I can add umbrella coverage?

    Most insurers require minimum liability limits on your auto (often $250,000/$500,000) and home (typically $300,000) before offering umbrella policies.

  • Can umbrella insurance cover things my regular policy doesn’t?

    Yes—some umbrella policies cover libel, slander, and legal defense costs that aren’t always included in base policies.

  • How much umbrella coverage should I have?

    That depends on your net worth and risk exposure. We’ll help you find the right level based on your lifestyle and assets.

Let’s Talk About Liability the Smart Way

One call today could save you from a life-changing expense tomorrow. Let’s review your options.

Request a Quote for Umbrella Insurance