The pool
A pool is the most common large liability exposure in the Valley and the one people think least about, because everyone has one. An incident involving a child is the scenario that exceeds a standard homeowners liability limit most often.
Umbrella · Phoenix, AZ
Umbrella insurancefor Valley exposure.
Pools, freeway traffic, and rental property are all ordinary here. Each one raises the ceiling on what a liability claim can reach, and an umbrella is what sits above that ceiling.
An umbrella pays after your home and auto liability limits are exhausted.
Common Issues We Solve
Why Phoenix households buy umbrellas
Three ordinary local facts that each raise the number a claim can reach.
The freeway
Multi-vehicle collisions on Valley freeways involve more cars and more injuries than a two-lane highway does. Auto liability limits that look generous on paper are the first thing to run out when several people are hurt.
The rental
If you own property you rent out, you have taken on a second set of liability exposures with a second set of people on them. An umbrella can sit above both the home and the rental.
What Is Covered
How an umbrella actually works
Three things worth understanding before you buy one.
It sits on top, it does not replace
The underlying home and auto liability limits have to be at a level the carrier requires before the umbrella attaches. Raising those first is sometimes the cheaper move.
It travels with you
Umbrella liability generally follows you rather than the property, which matters if you spend part of the year somewhere else, as a good number of Valley households do.
It is cheaper than people assume
Extra liability is priced per million and is usually a small fraction of what the underlying home and auto cost together. We quote it alongside them so you see the actual number for your situation rather than a rule of thumb.
Get a Quote
Get a Phoenix umbrella quote
Tell us your current home and auto liability limits. An umbrella attaches above them, so that is where the conversation starts.
- Call the office(928) 499-6644
- Visit us1781 AZ-69 Ste #3, Prescott, AZ 86301
- Office hoursMonday to Friday, 9:00 AM to 5:00 PM
Request a Phoenix quote
We quote it alongside the underlying policies so you see the real number.
Request a quote
FAQ
Umbrella questions from Phoenix
How much umbrella cover do I need?
A common starting point is enough to cover what you could lose, which includes future earnings, not just what is in the bank today. We talk through the number rather than defaulting to one.
Do I need one if I rent rather than own?
Sometimes. If you drive a lot on Valley freeways or have assets to protect, an umbrella above your auto and renters liability still makes sense.
Does an umbrella cover flood or earthquake?
No. It is liability cover, not property cover. It pays when you are responsible for someone else’s injury or damage, not when your own property is damaged.
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