Understanding Umbrella Insurance: A Guide from Your Trusted Independent Insurance Agency

As an independent insurance agency, we understand that navigating the world of insurance can be complex. One term you may have come across is umbrella insurance. But what exactly is it, and why might you need it? Let’s dive in.

What is Umbrella Insurance?

Umbrella insurance is a type of personal liability insurance that covers claims in excess of regular homeowners, auto, or watercraft policy coverage. It can protect you from large and potentially devastating liability claims or judgments.

Why Consider Umbrella Insurance?

Imagine you’re found liable for a car accident that injures another person. Your auto insurance might cover the initial medical bills and car repairs, but what if the costs exceed your policy’s limits? That’s where umbrella insurance steps in. It provides an additional layer of protection, kicking in where your other policies leave off.

The Independent Insurance Agency Advantage

As an independent insurance agency, we work with multiple insurance companies. This allows us to find the best umbrella insurance policy that fits your needs and budget. We’re here to provide personalized service and make sure you understand all your insurance options.

Who Needs Umbrella Insurance?

While it’s often thought that umbrella insurance is only for the wealthy, that’s a common misconception. Anyone who owns property, has significant savings, or has certain risk factors may benefit from an umbrella policy.


Umbrella insurance can be a valuable component of your overall financial plan. As your trusted independent insurance agency, we’re here to guide you through the process and answer any questions you may have.

Would You Like Us To Review Your Policies?

Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at DiStefano Insurance is here and ready to make the process as painless as possible. We look forward to meeting you!