Umbrella Insurance for Missouri and Kansas
Your auto, homeowners, and other insurance policies provide important liability protection, but a serious accident or lawsuit could result in expenses that exceed your existing coverage limits.
Personal umbrella insurance provides an additional layer of liability protection to help safeguard your savings, property, and financial future.
AML Insurance Services helps you compare umbrella insurance options from multiple carriers to find coverage that fits your needs.
What Happens When Your Liability Coverage Isn't Enough?
Imagine being responsible for a serious auto accident that results in extensive medical bills, lost wages, and a lawsuit. If the damages exceed your auto insurance liability limits, you could be personally responsible for the remaining expenses.
Your home, savings, and other assets could be at risk when a claim exceeds the protection provided by your existing policies.
Personal umbrella insurance provides additional liability coverage above your underlying policies and may also cover certain claims those policies exclude.
AML Insurance Services helps you evaluate your current liability limits, understand your exposure, and compare umbrella policies that provide additional financial protection.
What Can Umbrella Insurance Cover?
Auto Liability
Provides additional liability protection when a covered auto accident results in damages exceeding your auto policy limits.
Bodily Injury Liability
Helps cover qualifying claims involving injuries to others when damages exceed your underlying insurance limits.
Homeowners Liability
Adds protection for covered injuries or property damage when your homeowners liability limits aren't enough.
Property Damage Liability
Provides additional protection if you're legally responsible for covered damage to someone else's property.
Rental Property Liability
May provide additional liability protection for eligible rental properties when properly included in your policy.
Legal Defense Costs
May help pay attorney fees, court costs, and covered judgments or settlements, subject to policy terms.
Get Umbrella Insurance That Goes Beyond Your Existing Liability Limits
A serious accident or lawsuit can create financial obligations that exceed your current insurance coverage. AML Insurance Services can help you review your existing limits and compare umbrella insurance options that provide additional protection.
Request a personalized umbrella insurance quote or contact our team today.
Frequently Asked Questions
How does umbrella insurance work?
Umbrella insurance provides additional liability coverage when a covered claim exceeds your underlying policy limits. Depending on the policy, it may also cover certain liability claims excluded by your primary insurance.
Do I need homeowners and auto insurance to get an umbrella policy?
Most carriers require qualifying underlying liability coverage and minimum limits on applicable auto, homeowners, or other insurance policies. Requirements vary by carrier.
How much umbrella insurance do I need?
Consider your savings, property, other assets, and potential liability exposure. We can help you review your existing insurance limits and compare available coverage amounts.
Does umbrella insurance cover damage to my own home or car?
No. Personal umbrella insurance provides liability protection for covered claims involving others. It doesn't replace homeowners or auto insurance for damage to your own property.