Umbrella Insurance

What happens when your home or auto liability limits are not enough?

If you are determined to be at-fault in a major accident, loss of life or permanent disablement claims could easily result in lawsuits worth millions of dollars. After exhausting your maximum coverage, plaintiffs could come after your assets and even garnish your wages for years to come.

Most umbrella policies start with a one-million-dollar limit, with million-dollar increments up to five or ten million in coverage. This coverage requires and supplements an existing policy, typically home, auto or boat, and is only applied once the liability limit is reached. The insurance specialists at Guaranteed Rate Insurance are ready to help you establish a plan to protect your assets.

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Bundle to save!

Save up to 20% by bundling your insurance.

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Umbrella Insurance Basics

Property & Injury

If property or medical claims exceed your original policy, umbrella policy will supplement your coverage.
Legal Fees

Coverage for legal counsel and court fees is provided in the event of a lawsuit.
Tenant Damage

In the event your renters cause excess damage, your policy can help you restore your property.
Libel, Slander or Defamation of Character Lawsuits

Umbrella policies provide protection for many liabilities not outlined in typical liability plans.
Supercharge Your Policies

Supplements your existing personal policies — home, auto and more.

Save By Bundling

Save even more with a multi-policy discount when combining auto, home, renters and condo insurance.

What our customers are saying...

In two words: Great service.

Soad K.
My representative responded in a timely manner. She searched for the best coverage and price for our new town home. Meghan gave us excellent professional service!

Barbara L.
The team at Guaranteed Rate Insurance continues to exceed our expectations by far. From day one, the insurance experts have been customer friendly, knowledgeable and just plain awesome. They care about you in every way.

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Everyone I dealt with knew my name, knew my coverage, and answered my questions in terms I could grasp. No one tried to “sell” me. I will continue to do business with these people, now and in the future.

Christopher J.
A one-stop shop! Amazing customer service! Straight shooters — like dealing with a great family member. Would highly recommend!!!

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For my first time buying a home, I never once felt like I was out of the loop. Everyone clearly communicated with me every step of the way. Guaranteed Rate Insurance found me insurance and beat my current company by a lot!

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Our agent is super quick to respond to questions, provides information about anything I’m curious about, and works hard to keep our premiums low. We’re super happy that she works so hard for us!

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“Who I worked with was so kind and friendly. She made sure I knew what was going on. She got our insurance quick.“
— Cassie S.
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— Krishan A.
“We had many questions through the process and she was very thorough and prompt with her replies. She got us the coverage we needed at an incredible value – cutting my car insurance in half and finding us a home insurance plan that was incredibly affordable. We are thankful to her and Guaranteed Rate Insurance for getting us the coverage we needed with little to no effort from us.”
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“An easy experience it has been getting our mortgage and homeowners through Guaranteed Rate. They have made a harrowing experience so very easy; they streamline any process that needs to be completed and answer all questions with patience and clarity! I would highly recommend them to any family members and friends looking to purchase a home. Thanks Guaranteed Rate staff…you’re the best!”
— Terry D.