What is an umbrella policy?
Extra liability above auto/home limits to help protect assets.
Want help applying this to your situation? Talk with a Stockton-Hill Insurance agent or start a personal quote at /personal-quote/.
Learning Center
Umbrella insurance FAQs
How personal umbrellas work with auto/home.
How much umbrella do I need?
Commonly $1M+ based on assets and risk—discuss ranges with an agent.
Want help applying this to your situation? Talk with a Stockton-Hill Insurance agent or start a personal quote at /personal-quote/.
Do I need higher auto limits first?
Yes; umbrellas require stated underlying limits.
Want help applying this to your situation? Talk with a Stockton-Hill Insurance agent or start a personal quote at /personal-quote/.
Does umbrella cover me worldwide?
Many do with exceptions—read the form.
Want help applying this to your situation? Talk with a Stockton-Hill Insurance agent or start a personal quote at /personal-quote/.
Does umbrella cover teen drivers?
Often when they are on underlying policies, subject to terms.
Want help applying this to your situation? Talk with a Stockton-Hill Insurance agent or start a personal quote at /personal-quote/.
Is personal umbrella the same as commercial?
No—businesses need commercial umbrella/excess.
Want help applying this to your situation? Talk with a Stockton-Hill Insurance agent or start a personal quote at /personal-quote/.
Does umbrella cover defamation?
Sometimes; check definitions and exclusions.
Want help applying this to your situation? Talk with a Stockton-Hill Insurance agent or start a personal quote at /personal-quote/.
Can umbrella drop down?
Only if broader than underlying and the form allows.
Want help applying this to your situation? Talk with a Stockton-Hill Insurance agent or start a personal quote at /personal-quote/.
How much does umbrella cost?
Often relatively inexpensive per million for clean risks—ask for a quote.
Want help applying this to your situation? Talk with a Stockton-Hill Insurance agent or start a personal quote at /personal-quote/.
Will umbrella stop lawsuits?
It helps pay covered judgments; it does not make you lawsuit-proof.
Want help applying this to your situation? Talk with a Stockton-Hill Insurance agent or start a personal quote at /personal-quote/.
Questions about your coverage? Request a personal quote or call (740) 642-3333.
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