What Is Umbrella Insurance—In Plain English?
Umbrella insurance is extra liability coverage that kicks in after the limits on your home, auto, or renters policy are used up. If a serious accident or lawsuit exceeds those limits, an umbrella policy helps cover the remaining costs—protecting your savings, home equity, and future income.
At B&B Insurance, we help families across Utah add umbrella coverage the right way, with clear explanations and limits that match what you’ve built.
Who Is Umbrella Insurance For?
Umbrella coverage is a smart fit for many households, including:
- Homeowners and
renters with assets to protect
- Families with
teen drivers
- Households with
multiple vehicles
- Owners of
ATVs,
boats, RVs, or motorcycles
- Homes with
pools, trampolines, or dogs
- Anyone who wants protection beyond basic policy limits
If you have more to lose than just a policy limit, umbrella insurance is worth a closer look.
Common Situations Umbrella Insurance Can Help With
Umbrella coverage is about real-life scenarios—not worst-case thinking. Examples include:
- A serious
auto accident where injuries exceed your auto liability limits
- Someone getting hurt on your property and filing a lawsuit
- Dog bite claims or injuries related to a trampoline or pool
- Property damage caused by your teen driver
- Liability tied to recreational vehicles like ATVs or boats
- Certain personal liability claims not fully covered by underlying policies
We’ll explain exactly how umbrella coverage works with your existing policies so there are no surprises.
How Much Umbrella Coverage Should You Consider?
Umbrella policies are typically offered in $1 million increments. A simple rule of thumb is to consider coverage that matches or exceeds your net worth and risk exposure.
Rather than guessing, our agents will:
Review your current auto, home, or renters limits
Identify gaps where liability exposure exists
Recommend a clean, appropriate umbrella limit—no overbuying
What’s Required to Add an Umbrella Policy?
To qualify, insurers require certain minimum liability limits on your underlying policies (auto, home, or renters). This is where local guidance matters.
B&B Insurance will:
- Check your current policies
- Adjust limits if needed
- Coordinate everything so your umbrella works exactly as intended
You get one review, one recommendation, and one local team handling it all.
Is Umbrella Insurance Worth It?
For most families, yes. Umbrella insurance offers a
high amount of protection for a relatively low cost, especially compared to the financial impact of a major lawsuit. It’s often one of the most cost-effective ways to increase overall protection once your base policies are in place.
Umbrella Insurance Questions, Answered
Do I need umbrella insurance in Utah?
It’s not required by law, but many Utah families choose it to protect assets beyond standard policy limits.
What does umbrella insurance cover that home and auto don’t?
It provides additional liability coverage after your base limits are exhausted and can apply to situations not fully covered elsewhere.
Is umbrella insurance worth it if I have a teen driver?
Often, yes. Teen drivers increase liability exposure, and umbrella coverage adds an extra layer of protection.
Does umbrella insurance cover dog bites or trampolines?
In many cases, yes—subject to policy terms and underwriting. We’ll review this with you before placing coverage.
Can I get umbrella insurance if I have an RV, boat, or ATV?
Yes. We coordinate umbrella coverage to align with recreational vehicle policies.
Local Guidance That Keeps It Simple
Families across Riverton, Herriman, South Jordan, and Bluffdale choose B&B Insurance for umbrella coverage because they want clear answers—not guesswork. We’ve been family-owned since 1979, and you’ll always speak directly with a licensed agent who explains options in plain terms.