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Umbrella Insurance

Extra Protection

When the unexpected happens, umbrella coverage helps.

Standard insurance policies cover a lot, but sometimes claims go beyond those limits. Umbrella insurance provides an extra layer of protection for major liability situations. At Washington First Insurance, we offer coverage that helps safeguard your financial future when unexpected costs arise.

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Added security when standard policies aren’t enough.

Umbrella insurance steps in when liability claims exceed your primary coverage limits. Whether it’s a lawsuit, accident, or major damages, having extra protection ensures you’re not left covering the difference out of pocket. Explore key coverage options below.

Coverage Options

Personal Liability Coverage

Extends beyond auto and homeowners insurance to protect against high-cost legal claims and lawsuits.

Property Damage Coverage

Covers costs if you're found responsible for damage beyond your standard policy limits.

Injury & Legal Protection

Helps cover medical bills, legal fees, and settlement costs in high-liability situations.

Answers to common questions about umbrella insurance.

  • What does umbrella insurance cover?

    Umbrella insurance provides additional liability protection when costs exceed your home, auto, or renters insurance limits. It covers injuries, property damage, and legal fees, offering broad protection in unexpected situations.

  • Do I need umbrella insurance?

    If you have assets to protect or want extra financial security, umbrella insurance is a smart choice. It’s especially valuable for homeowners, business owners, and frequent travelers.

  • How much umbrella insurance do I need?

    Coverage needs vary based on assets, risks, and existing policies. Many policies start at $1 million in coverage, but higher limits are available. Our team can help determine the right amount for you.

  • Does umbrella insurance replace my existing policies?

    No, umbrella insurance works as extra coverage on top of your home, auto, or business liability policies. It does not replace them but adds financial protection when needed.

  • How much does umbrella insurance cost?

    Umbrella insurance is typically affordable compared to the extra protection it provides. Costs vary based on coverage amounts and risk factors. We can help find a plan that fits your budget.

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