Umbrella Insurance
Umbrella insurance adds an extra layer of liability protection that goes beyond the limits of your home, auto, or boat policies. At The Mackrides Insurance Group, we help individuals and families across Pennsylvania get peace of mind by safeguarding against major lawsuits, medical bills, or claims that could otherwise drain savings or assets.
Do I Need Umbrella Insurance?
In today's world, even minor accidents can lead to big financial claims. An umbrella policy provides high-limit liability coverage that protects your future.
Covers Large Liability Claims
When standard policies max out, umbrella insurance steps in.
- Extra coverage for lawsuits and legal fees
- Helps with medical and property damage claims
- Ideal for high-value homes, vehicles, or assets
Protects Against Unexpected Risks
Accidents can happen anytime, whether at home or away.
- Covers incidents involving guests or neighbors
- Liability coverage for auto accidents or boat mishaps
- Fills gaps left by other policies
Affordable, Broad Coverage
High limits of coverage come at a surprisingly low cost.
- Millions in protection for less than you might expect
- Complements home and auto policies
- Flexible options for individuals or families
Peace of Mind for Every Situation
From backyard gatherings to road trips across Pennsylvania, umbrella insurance helps you stay financially secure.
- Confidence knowing major claims are covered
- Affordable protection for unpredictable events
- Great for those with teenage drivers or high-risk activities
An umbrella policy extends liability coverage beyond your existing policies. Common coverages include:
What Does Umbrella Insurance Cover?
Bodily Injury Liability
Pays for medical costs if you're found responsible for injuries.
Property Damage Liability
Covers damage you cause to other people's property.
Legal Defense Costs
Covers attorney fees and court costs, even if a lawsuit is groundless.
Personal Injury Liability
Includes claims like libel, slander, or defamation.
Understanding Umbrella Insurance Options
We'll help you determine how much additional coverage you need, based on your lifestyle and risks:
- Standard Coverage Limits - Starting at $1 million, with higher limits available.
- Integration with Existing Policies - Works with your home, auto, and boat insurance.
- Custom Options for Families - Great for households with young drivers or multiple properties.
- Multi-Policy Discounts -
Save when adding umbrella coverage to your existing plans.
Frequently Asked Questions
How does umbrella insurance work?
It kicks in after your primary liability limits (home, auto, or other policies) are reached, providing extra protection.
Who needs umbrella insurance?
Anyone with significant assets, teenage drivers, rental properties, or a high public profile should consider it.
Is umbrella insurance expensive?
Not at all. It's typically affordable compared to the large amount of coverage it provides.
Does umbrella insurance cover my business?
No. Personal umbrella policies don't cover business activities, but commercial umbrella coverage is available.
Can I add umbrella coverage to my existing policies?
Yes. We'll coordinate with your home, auto, and other policies to create seamless coverage.
