Umbrella Insurance

man holding small purple umbrella over paper cut out family

Need a rainy day backup plan? Unland makes it happen.

What exactly is Umbrella Insurance?

An umbrella is something that opens up at a special time and spreads out to protect you. So, an umbrella insurance policy kicks in when other coverage is exhausted and may cover more things than the regular policy.

Lawsuits are everywhere today. And if an accident happens to be your fault, the judge can award the injured person large sums of money. Sums larger than the limits on your current homeowner, rental, or car insurance policy coverage.

How does Umbrella Insurance work?

An umbrella insurance policy gives you added liability protection that goes beyond the limits of your homeowners and auto insurance. Depending on the plan you select, umbrella insurance can add anywhere from $1 million to $10 million in liability coverage. That might seem excessive, but when you start adding up medical bills, rehab, lost income and legal fees... the sum grows surprisingly fast.

man drawing an umbrella over a stick figure family

How do  I decide if I need Umbrella Insurance?

Umbrella policies are actually very affordable – despite the staggering amounts of coverage they provide. Umbrella insurance protects you against some situations that aren't covered by your standard policies.

You've worked hard for all you have, now you need to take the steps to ensure everything you worked for is properly protected.

Not convinced you need it? Then do the math. Add up all your assets and compare it to the liability coverage on your home and auto insurance policies. Is it enough to cover? How much of a disaster would it be if some of your assets are uninsured? Don't take the chance.

I'm ready to talk to an Unland insurance agent now.

We have agents standing by to help you with any insurance questions you have. Call 800-747-3241 or email us directly.

Get a Quote

At Unland, we take care of it all.

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Unland Home Office: 2211 Broadway, Pekin, IL 61554 | (309) 347-2177 or (800) 747-3241 
Citizens Insurance: 127 S. Side Square  Macomb, Illinois 61455 | (309) 837-0609
Winter Insurance: 201 Clock Tower Drive, East Peoria, IL 61611 | (309) 699-3938
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