Umbrella Insurance
Extra Protection for Life's Unexpcted Storms
Sometimes, life throws more at you than your standard insurance can cover. That’s where umbrella insurance comes in. At NestGuard Insurance, we offer extra liability protection that goes above and beyond your home, auto, or rental policies—helping safeguard your assets, future, and peace of mind.
When the unexpected happens, an umbrella policy makes sure you’re covered, not exposed.
Frequently Asked Questions
What is umbrella insurance and how does it work?
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Often referred to as excess liability, umbrella insurance provides extra liability coverage beyond the stated liability limits of your standard primary auto and home policies. It kicks in when those limits are exceeded which helps protect your assets and future income in the event of a major lawsuit or large claim.
What does an umbrella policy cover?
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Umbrella policies cover personal liability and legal defense costs for claims like bodily injury, property damage, libel/slander, or even incidents involving your pets or rental properties. It typically doesn’t cover your own injuries, business activities, or intentional acts.
Who needs umbrella insurance?
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Anyone with assets to protect such as a home, savings, or investments should consider umbrella insurance. It’s especially valuable if you have high risk exposures such as a pool, teen drivers, or rental properties. Umbrella insurance is a valuable policy and provides peace of mind against unexpected lawsuits.
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