Umbrella Insurance
In short
An umbrella policy adds liability coverage above your home, auto and other policies, and pays when a serious claim against you goes past their limits. FCI Agency represents many carriers and compares their policies for you, at no additional cost to you, and your advisor stays your one contact.
Umbrella insurance with FCI Agency
Your home and auto policies each stop paying at their liability limits. An umbrella policy sits above them and pays when a serious claim goes past those limits, and your FCI advisor makes sure it fits the policies underneath.
What umbrella insurance covers
Coverages and their names vary by carrier and policy; your advisor shows you what each quote includes.
- Liability above your other policies
- Pays for injuries and damage you are responsible for once your home, auto, boat or other policy has paid its limit.Benefits of a Personal Umbrella Policy
- Your legal defense
- Covers the cost of defending you against a covered claim.
- Your household
- Usually covers you and the relatives who live with you, including drivers in the household.
- Some claims your other policies leave out
- Many umbrella policies also cover claims such as libel and slander. Your advisor can tell you what yours includes.
What a policy may not cover
Damage to your own home, car or belongings. An umbrella covers what you owe to others.
Your own injuries and those of your household.
Business activities, which need a commercial umbrella.
Umbrella Policy: Inexpensive and HelpfulHarm you cause on purpose.
What drives the price
Your advisor compares these across carriers for you.
The limit you choose
Higher limits cost more.
What you own
The number of homes, vehicles, boats and other property the umbrella sits above.
Who drives
The number of drivers in your household, and young drivers in particular.
Your other policies
Carriers require minimum liability limits on your home and auto policies, and keeping them with the same carrier can lower the cost.
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Umbrella insurance questions
Anyone who could be sued for more than their home and auto limits: a homeowner with savings, a family with teenage drivers, or someone with a pool, a boat or rental property. It costs less than most people expect for the coverage it adds.
Yes. Carriers require your home and auto policies to carry minimum liability limits before the umbrella applies. Your advisor will check yours.
No. A personal umbrella covers you and your household. A business needs a commercial umbrella; see business insurance.
Your umbrella insurance advisors
Call or email any of them, or send the form below.
Jason Acosta
Personal Lines Account Manager
Carolyn Hilton
Personal Lines Manager
Anna Hobbs
Personal Lines Account Manager
Candice Bishop
Marketing and Account Manager
Specializes as an Account Manager in personal lines.
Amanda Hopper
Insurance Advisor
Get a quote
What happens next
Step 1: Tell us what you need
Share what you have today and what you want covered, online or on a call.
Step 2: We compare the carriers
Your advisor compares plans from the carriers we represent, at no additional cost to you.
Step 3: You choose, and keep one contact
Your advisor walks you through the options and stays your one, easy-to-reach contact after you buy.
