Umbrella insurance that’s prepared for you
Compare, shop and customize quotes from top-rated insurance carriers.
Keep yourself and your family covered,
no matter what happens
Standard homeowners and auto policies provide minimal liability coverage, which can put the overall value of your home, vehicles, savings and investments at risk.
PERSONAL LIABILITYProtect your financial security and future well-being
If you’re named in a lawsuit, an umbrella insurance policy can cover attorney fees, medical costs and other charges that exceed the limits of your basic policies. So you’re never left high and dry.
PROPERTY DAMAGESafeguard your assets and complex financials
If you own several properties, vehicles, businesses or other valuable assets, a VIU by HUB Advisor can provide customized umbrella insurance quotes and confirm that you’re covered for what you need.
BODILY INJURYEquip yourself against everyday risk
Whether you‘re a rental purveyor or a frequent traveler, or even if you just have a hot tub or a pool on premises, the right umbrella insurance can keep you covered from every angle.
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Learn more about umbrella insurance
An umbrella policy is a type of liability insurance that provides additional coverage beyond the limits of the policyholder's standard insurance policies, like home or auto insurance. It kicks in when the liability limits of these other policies have been reached. An umbrella policy can help protect your assets from large and potentially devastating liability claims or judgments. A VIU by HUB Advisor can help you understand and compare umbrella insurance quotes quickly and easily.
Umbrella insurance typically covers liabilities that go beyond the limits of your standard insurance policies. This includes bodily injury, property damage, certain lawsuits and personal liability situations. For example, if you're found liable for a car accident and the damages exceed your auto insurance coverage, your umbrella policy can cover the additional costs.
Umbrella insurance is beneficial for anyone who has assets that could be at risk in a lawsuit. This includes homeowners, car owners, landlords and individuals with significant savings or investments. If your potential loss from a lawsuit exceeds the coverage of your existing policies, umbrella insurance can provide the extra protection needed. A VIU by HUB Advisor can help you understand and compare umbrella insurance quotes quickly and easily.
The cost of umbrella insurance is relatively low compared to the amount of coverage it provides. Premiums vary based on several factors, including the amount of coverage, the policyholder's risk factors and their underlying policy limits. Generally, a $1 million umbrella policy can cost between $150 to $300 per year with additional coverage increasing the premium. Reach out to a VIU by HUB Advisor at 833-495-2748 to get options with the right coverage and price point for your needs.
Umbrella policies do not cover everything. Exclusions typically include personal property damage that the policyholder causes intentionally, liability incurred in business or professional activities (this requires a separate business liability policy), criminal or fraudulent actions, and liability related to contracts or agreements signed by the policyholder. A VIU by HUB Advisor can breakdown policy details to make it easy to understand any exclusions.
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The VIU Point is here to help you make sense of it all, so you can confidently compare umbrella insurance quotes and make the best policy decisions overall.
