Umbrella Insurance

Your home and auto policies have liability limits, and a serious accident or lawsuit can exceed them faster than most people expect. Main Street Insurance offers personal umbrella insurance to Connecticut families who want an extra layer of protection between a major claim and their savings, home equity, and future income.

Waterbury, CT insurance coverage with Main Street Insurance Inc

How Umbrella Coverage Works

An umbrella policy sits on top of your existing home and auto insurance and picks up where those policies leave off. If a liability claim or lawsuit exceeds the limits of your underlying policy, your umbrella coverage steps in to cover the remaining costs, up to your umbrella policy’s limit. Most umbrella policies also extend broader liability protection than a standard home or auto policy alone, including coverage for claims like libel or slander.

Who Should Consider an Umbrella Policy

Umbrella insurance is not just for high-net-worth households. Connecticut homeowners with a swimming pool, a rental property, a boat, or teen drivers in the household often face a higher chance of a liability claim that exceeds standard limits. If you have significant equity in your home, savings, or other assets worth protecting, an umbrella policy is one of the most cost-effective ways to guard them.

Getting Started

To qualify for umbrella coverage, your underlying home and auto policies generally need to meet certain minimum liability limits, which Main Street Insurance can review with you. Because we work with carriers including Progressive, Travelers, and Liberty Mutual, we can find umbrella coverage that pairs well with your existing policies and fits your budget.

Add a Layer of Protection Today

Do not let one bad accident put everything you have worked for at risk. Compare umbrella insurance quotes online, or contact us to speak with a licensed Connecticut agent about adding umbrella coverage. Main Street Insurance is here to help protect what you have built.