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Why Umbrella Insurance Is Worth Considering And How Much Coverage You Might Need

  • tlipsy
  • Jun 24
  • 2 min read
umbrella insurance covers home, car and other insurances underlying

Life is full of unexpected moments, and while standard insurance policies like auto and homeowners are essential, they don’t always offer enough protection. That’s where umbrella insurance comes in. Think of it as a safety net that catches you when your other coverage reaches its limit.









What Is Umbrella Insurance?

Umbrella insurance provides extra liability coverage beyond the limits of your existing auto, home, boat, bike, or renters insurance. If you're found legally responsible for damages or injuries and your standard policy maxes out, umbrella coverage steps in to cover the rest, up to the limits you choose.

This can include things like:

  • Major car accidents involving multiple vehicles or injuries

  • Accidental injuries on your property

  • Lawsuits for slander, libel, or false arrest

  • Legal fees that aren’t covered by other policies

In today’s world, a single serious accident could result in a lawsuit that far exceeds your base policy limits. Umbrella coverage helps protect your savings, assets, and future earnings.


How Much Umbrella Coverage Should You Have?

The answer depends on several personal factors like your income, assets, risks, and lifestyle. Fortunately, our trusted partner Hanover Insurance offers a helpful tool to estimate how much coverage is right for you.


👉 Try the Umbrella Coverage Estimator Tool here:Hanover Umbrella Coverage Calculator


This quick tool helps you evaluate your risk exposure and offers recommendations based on your real-life situation.


Why We Recommend Umbrella Coverage

At Tapley Insurance, we recommend umbrella insurance for nearly every client. It's surprisingly affordable, and in exchange, it gives you peace of mind that your financial future is protected no matter what life throws your way.


If you'd like a quote or want help walking through the calculator, we’re here to assist. Contact us anytime to explore your options and find the right level of coverage for your needs.


(207) 363-7894 | www.tapleyagency.com | 300 York St . PO Box 808 . York, Maine 03909

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Address
300 York St
PO Box 808
York, ME 03909
Phone Number
207.363.7894
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