Umbrella Insurance…

Extra Coverage for Life’s Bigger Storms

Umbrella insurance adds an extra layer of protection beyond your home, auto, or rental policy — covering you when major accidents or lawsuits exceed your standard limits. It's affordable peace of mind for the “what ifs.”

In today’s world, accidents happen quickly — and lawsuits can follow just as fast. Even with solid home, auto, or renters insurance, a major claim can exceed your policy limits and put your personal assets at risk.
That’s where umbrella insurance comes in.

At TrailView Insurance Agency, we provide affordable, extra liability coverage designed to protect your finances when your standard policies max out. Think of it as your backup plan for life’s big “what ifs.”

What Is Umbrella Insurance?

Umbrella insurance is a supplemental liability policy that kicks in when your existing coverage — like auto or homeowners insurance — is exhausted. It adds a layer of protection to cover legal costs, injury claims, and damages beyond your normal policy limits.

Just like an umbrella shields you from a downpour, umbrella insurance shields your future from high-cost claims and lawsuits.

What It Covers

Umbrella insurance typically covers:

  • Bodily injury liability

  • Property damage liability

  • Legal defense costs

  • Lawsuits for slander, libel, or defamation

  • Landlord liability (if you rent out property)

Who Needs It?

Umbrella insurance is smart for anyone who:

  • Owns a home, vehicle, or rental property

  • Has a dog or a teen driver

  • Hosts guests or events

  • Uses social media

  • Wants to protect future earnings and assets

If you have something to lose, umbrella coverage helps protect it.

Why It’s More Important Than Ever

Medical bills. Lawsuits. Legal fees…
In today’s legal and financial landscape, even a single accident can lead to six- or seven-figure consequences. Without umbrella insurance, you could be left covering the difference — out of pocket. Umbrella insurance helps ensure one accident doesn’t become a long-term disaster.

Real Life Scenarios Where Umbrella Insurance Helps

  • You're at fault in a major car accident with $1 million in damages. Your auto policy covers $300,000 — umbrella covers the rest.

  • Someone is injured on your property and sues for more than your homeowners policy covers.

  • Your teen is sued for a social media post — umbrella insurance helps cover legal defense.

Contact Us…

Let’s Add an Extra Layer of Protection
Whether you own a home, drive often, rent out property, or simply want more peace of mind, umbrella insurance helps protect your future from life’s unexpected twists.

Contact TrailView Insurance Agency today for a personalized umbrella insurance quote — and safeguard what matters most, beyond the basics.