Umbrella Insurance That Fills the Gaps & Lifts the Limits

Extra liability protection for life’s biggest surprises.

Mallory helps you stay protected when your standard home, auto, or recreational policy limits aren’t enough.

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Coverage You Can Rely On

Big claims can come out of nowhere—and if your existing policy caps out, you could be left paying the rest. Umbrella insurance provides added liability coverage across your personal policies, offering peace of mind and financial protection against lawsuits, medical bills, and property damage.

What Does Does Umbrella Insurance Cover?

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Liability Beyond Home & Auto

Covers excess liability once base policy limits are exhausted.

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Legal Fees & Settlements

Pays for defense costs, judgments & settlements.

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Injuries on Your Property

Adds protection for slip-and-falls or guest injuries.

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Accidents Involving Teen Drivers

Extra coverage for higher-risk drivers in your household.

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Personal Lawsuits

Includes defamation, libel & false arrest claims in some policies.

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Who Should Consider Umbrella Coverage?

Anyone with assets to protect or liability exposure should consider this affordable layer of protection. Especially:

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Homeowners & landlords
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Households with teen drivers
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Boat or RV owners
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Families with significant savings or retirement assets

What Sets Mallory Apart

Protection That Fits Your Lifestyle

We evaluate your personal risk and help structure the right coverage limits.

Cross-Policy Expertise

We coordinate your umbrella with home, auto & recreational lines for seamless protection.

Affordability Without Gaps

Umbrella policies are cost-effective—and we make sure they actually work when needed.

Proactive Risk Guidance

We help identify hidden liability risks before they become financial threats.

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Common Questions About Umbrella Insurance

  • Is umbrella coverage expensive?

    Not at all. Many policies cost less than a few hundred dollars a year for $1M+ in coverage.

  • Will this cover my business liability?

    No—personal umbrella policies do not cover business-related claims.

  • Can I bundle this with other coverage?

    Yes. Bundling umbrella with home & auto often leads to discounts and better integration.

  • Does this cover rental properties?

    Yes—with proper underlying coverage in place. We’ll help you structure it right.

Let’s Strengthen Your Safety Net

Umbrella insurance is a smart, simple way to extend your protection. Let’s make sure nothing slips through the cracks.