Umbrella Insurance for Charlotte-Area Families
Your home and auto policies each include liability coverage, and each has a limit. An umbrella policy adds another layer on top of those limits. If you’re found responsible for a serious accident or injury and the costs go past what your home or auto policy pays, an umbrella policy can help pay the rest, up to its own limit.
Who should think about an umbrella policy
- Families with teen drivers. A new driver on I-485 or Independence Boulevard is a big change for your household.
- Homeowners with a pool, trampoline or dog. Guests get hurt sometimes, even when everyone is careful.
- People with savings, a home or future income to protect. A large judgment can reach more than your current bank account.
- Landlords. If you own a rental home in Mint Hill, Matthews or Charlotte, an umbrella can add liability protection there too, depending on the carrier.
What an umbrella policy usually covers
Depending on the carrier and policy, umbrella coverage can extend to bodily injury and property damage you’re legally responsible for, and to some claims like libel or slander. It often helps pay legal defense costs too. Each policy has its own terms and exclusions, so we’ll go over them in plain English before you decide.
How it works with your other policies
Most carriers ask you to carry certain liability limits on your home and auto policies first, and the umbrella starts where those stop. As an independent insurance agency representing Nationwide and other carriers, we can look at your current coverage, explain what each carrier requires, and compare umbrella options from many top carriers.
An umbrella covers liability, meaning harm you cause to others. It doesn’t cover your own injuries or damage to your own home or car, and business activities generally need their own commercial coverage.
Local help since 1953
Our family has been helping Charlotte-area families since 1953, from our office at 7130 Matthews Mint Hill Rd in Mint Hill. We’ll review your home and auto coverage together with the umbrella, so everything fits.
Common questions
Do I need an umbrella if I already have high auto limits?
It depends on what you have to protect. An umbrella adds liability coverage above your auto and home limits, and it can sit on top of both at once.
Does an umbrella cover my business?
Generally no. Business activities usually need commercial coverage. Scott Harris can help with business liability options.
More insurance questions and answers
Ask about umbrella coverage
Umbrella quotes aren’t on the online form yet. Call or text 704-545-6700, Monday through Friday, 9 to 5, and Kelly or Scott will put one together for you.
