Personal Umbrella  Insurance

Extra Protection Beyond Your Standard Insurance Limits

Safeguard Your Finances & Assets from Unexpected Lawsuits

Accidents happen when you least expect them—and sometimes the liability costs exceed the limits of your homeowners, auto, or boat insurance. If you are sued for bodily injury, property damage, or legal liability, you could be personally responsible for hundreds of thousands—even millions—of dollars in damages.


Personal Umbrella Liability Insurance provides additional protection beyond your standard policies, ensuring you and your assets are shielded from financial devastation.



At A.G. Beck Insurance, we offer affordable, high-limit umbrella insurance policies that provide an extra layer of security against costly claims and lawsuits. As an independent agency, we compare multiple insurers to find the best coverage at the most competitive rates.


Serving individuals and families in Silverdale, WA, and across Washington.

Get in touch.

What Does Personal Umbrella Liability Insurance Cover?

Umbrella insurance extends beyond the coverage limits of your existing home, auto, or recreational insurance policies to provide higher liability protection.

Extended Liability Coverage

  • Increases liability limits beyond your auto, homeowners, renters, or boat insurance.
  • Covers medical expenses, legal fees, and damages from lawsuits.

Auto Liability Protection

  • Provides higher coverage for injuries and property damage caused by an auto accident.
  • Essential if you own multiple vehicles or have young drivers in your household.

 Homeowners Liability Coverage

  • Protects against lawsuits from guests injured at your home.
  • Covers accidental damage to someone else’s property caused by you or a family member.

Boat & Recreational Vehicle Coverage

  • Extends liability coverage for boating, RV, motorcycle, and off-road vehicle accidents.
  • Includes higher limits for watercraft liability claims.

Dog Bites & Personal Injury Protection

  • Covers legal fees and medical expenses if your pet injures someone.
  • Provides protection for libel, slander, and defamation lawsuits.

Rental Property Liability (For Landlords)

  • Extra liability protection if you own rental properties and face tenant lawsuits.
  • Covers bodily injury claims and property damage liability.

Not sure how much umbrella insurance you need? Our agents can customize a policy that fits your assets and risks.

Who Needs Personal Umbrella Insurance?

If you have significant assets, savings, or high-liability risks, personal umbrella insurance is essential to protect your financial future.


Umbrella Insurance is Essential for:

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Homeowners & Renters

Extra liability protection beyond homeowners insurance.

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Pet Owners

Covers dog bites and injury lawsuits.

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Boat & RV Owners

Covers liability from recreational vehicle use.

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Auto Owners with High-Value Assets

Protection against major accident claims.

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High Net-Worth Individuals

Protects assets from lawsuits.

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Landlords & Rental Property Owners

Covers tenant-related liability claims.

Need additional liability protection? Call (360) 692-5998 for a free consultation today!

Why Choose A.G. Beck Insurance for Umbrella Coverage?

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Affordable, High-Limit Coverage

Get $1 million to $5 million+ in extra liability protection.

Independent & Unbiased

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We compare multiple insurers to secure the best umbrella coverage at the lowest price.

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Customized Protection

Coverage tailored for your assets, lifestyle, and risks.

Fast Claims Assistance

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If a lawsuit happens, we help ensure a smooth claims process.

Want to safeguard your assets? Call (360) 692-5998 today!

Why Personal Umbrella Insurance Matters


Accidents happen fast—and sometimes, the consequences stretch far beyond your standard policy limits.

Imagine this: You're at fault in a serious auto accident, and the other driver—a high-net-worth individual—suffers major injuries. Your auto insurance covers up to $250,000, but the medical bills, legal fees, and lost income claims total over $1 million. That gap? It becomes your personal financial responsibility.



That’s where umbrella insurance steps in. It adds an extra layer of protection—typically starting at $1 million—to help cover what your primary policies don’t. Whether you're driving, entertaining guests at home, or simply living your day-to-day life, this coverage is designed to protect your future when the unexpected strikes.

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Frequently Asked Questions (FAQ) About Personal Umbrella Insurance

  • Do I need umbrella insurance if I already have home and auto insurance?

    Yes—umbrella insurance extends your liability limits beyond standard policies, ensuring you’re covered for high-cost lawsuits and claims.

  • How much personal umbrella insurance should I buy?

    Most people choose $1 million to $5 million in coverage, depending on their assets and risk exposure.

  • Does umbrella insurance cover business activities?

    No—personal umbrella insurance does not cover business-related liability. Business owners should consider commercial umbrella insurance.

  • Does umbrella insurance cover rental properties?

    Yes! Umbrella insurance provides extra liability protection for landlords and rental property owners.

  • How much does personal umbrella insurance cost?

    Many policies start at just $150–$300 per year for $1 million in coverage.

Still have questions? Call (360) 692-5998 for expert guidance!

Get a Free Personal Umbrella Insurance Quote Today!

Extra Liability Protection for Your Home, Auto & Assets

At A.G. Beck Insurance, we help homeowners, renters, auto owners, and landlords secure affordable, high-limit liability coverage for peace of mind.

  • Compare umbrella insurance quotes from top providers.
  • Customizable coverage tailored to your lifestyle & assets.
  • Expert guidance from local, trusted agents.
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Call us at (360) 692-5998 to speak with an umbrella insurance expert.

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Request a free, no-obligation umbrella insurance quote online.

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Get a Free Umbrella Insurance Quote →

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Protect your financial future—get covered today!