Umbrella Insurance

Extra protection beyond your basic policies to keep you covered Extra Protection When Your Standard Insurance Isn’t Enough

Even with standard insurance policies like auto, home, or business liability coverage, certain accidents or lawsuits can exceed your policy limits. Umbrella Insurance provides an additional layer of financial protection by extending coverage beyond the limits of your existing insurance policies.

At Capricorn Insurance Agency, we help individuals and businesses secure umbrella insurance to protect their assets, income, and future from unexpected liability claims.

What is Umbrella Insurance?

Umbrella Insurance is a type of liability insurance that provides extra coverage when the limits of your primary insurance policies have been exhausted.

It works as a secondary layer of protection that activates after your standard policies reach their maximum payout limits.

Umbrella insurance can extend coverage for:

• Auto Insurance
• Homeowners Insurance
• Landlord Insurance
• Boat Insurance
• Business Liability Insurance

This policy helps cover large claims, lawsuits, and legal expenses that go beyond your primary policy limits.

Umbrella Insurance

Extra protection beyond your regular policies for peace of mind.

A protective umbrella shielding a family from a stormy sky symbolizing financial security.
A protective umbrella shielding a family from a stormy sky symbolizing financial security.
Close-up of hands holding a small umbrella over a house and car model representing coverage.
Close-up of hands holding a small umbrella over a house and car model representing coverage.
Coverage

Protects against large claims that exceed your home or auto insurance limits.

Benefits

Offers peace of mind by covering legal fees and damages beyond basic policies.

FAQs

What is umbrella insurance?

Umbrella insurance provides extra liability coverage beyond your other policies.

Who needs umbrella insurance?

Anyone with assets to protect or who faces risks beyond standard policy limits.

What does umbrella insurance cover?

It covers liability claims like bodily injury, property damage, and some lawsuits not included in basic policies.

Is it expensive?

Generally, umbrella insurance is affordable compared to the protection it offers.

How much coverage do I need?

Coverage depends on your assets and risk exposure; many start with $1 million.

Can umbrella insurance protect against lawsuits?

Yes, it helps cover legal fees and damages if you’re sued for incidents beyond your other policies.

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