Let us help you with your umbrella insurance needs.
Life can be unpredictable, and even though you have great coverage under your homeowners/renters and auto insurance policies, you may want to consider an umbrella policy as well. Your Millstone Insurance agent can discuss different options and help you choose an umbrella policy that is right for you.
Important coverages
Umbrella insurance is typically inexpensive for the amount of protection it provides — often $150 to $300 a year for $1 million of extra liability coverage.
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1
Additional Liability Coverage
Provides an extra layer of liability protection above your auto and home policy limits — typically $1 million or more.
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2
Protection Beyond Homeowners/Renters Limits
Extends to lawsuits, certain personal injury claims (libel, slander), and rental property liability in ways standard policies don't.
Why is umbrella insurance important?
A single serious accident or lawsuit can exceed your standard policy limits. Umbrella coverage kicks in after those limits are exhausted, protecting your savings, home equity, and future earnings.
How much do you need?
A common rule of thumb: enough to cover your net worth plus future earnings. Most Utah families start at $1 million and scale up from there.
How much does it cost?
Umbrella is one of the most cost-effective coverages available — often a few hundred dollars a year for a million dollars of protection.
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