What Happens When Your Standard Coverage Isn't Enough?
Most people feel reasonably well protected with their auto, home, or renters insurance in place. And for everyday situations, those policies do a solid job. But what happens when something bigger occurs — a serious car accident, an injury on your property, or an unexpected lawsuit that exceeds your standard policy limits?
That's exactly where an umbrella insurance policy steps in.
At Thrifty Insurance Services, we believe that real financial protection shouldn't be reserved for the wealthy. Umbrella insurance is one of the most affordable ways to significantly expand your coverage, and most people are genuinely surprised by how little it costs compared to the peace of mind it delivers.
As an independent agency, we work with multiple top-rated carriers to find umbrella coverage that fits your specific situation, whether you're an individual, a family, a homeowner, or a small business owner. We explain everything in plain, straightforward language so you always know exactly what you're getting.
You've worked hard to build your life. An umbrella policy helps make sure one unexpected event doesn't put it all at risk.
What Does Umbrella Insurance Actually Cover?
Umbrella insurance is broader than most people realize. Here's a look at what a personal umbrella policy typically helps protect you against — and why each one matters for everyday families and individuals.
Extended Liability Protection
Covers costs that exceed your auto, home, or renters insurance limits.
Auto Accident Liability
Helps pay excess medical bills, damages, and legal fees after major at-fault accidents.
Home & Property Liability
Covers injuries on your property when claims go beyond homeowners insurance limits.
Dog Bite & Animal Liability
Protects you if your pet injures someone and costs exceed your policy limits.
Recreational Liability
Adds protection for higher-risk items like pools, trampolines, boats, or RVs.
Personal Injury Protection
Covers claims like defamation, libel, slander, or privacy violations.
Rental Property Liability
Extends liability coverage for injuries or incidents at rental properties.
Legal Defense Costs
Helps pay attorney fees and court costs, even if you're not found liable.
Coverage details and exclusions vary by carrier and policy. We'll walk you through exactly what's included in any policy we recommend — so there are no surprises when you need it most.
Get a Personalized Umbrella QuoteWho Should Consider an Umbrella Insurance Policy?
Umbrella insurance isn't just for the wealthy. It's for anyone who has assets to protect, a lifestyle that comes with liability exposure, or simply wants the peace of mind of knowing they're covered for life's bigger surprises. Here's a look at who benefits most.
- Families with children
- Homeowners
- Drivers with teen or high-risk drivers
- Landlords & rental property owners
- Small business owners
- Recreational vehicle & boat owners
- Anyone with savings or assets to protect
Ready to Add a Powerful Layer of Protection to Your Coverage?
You've worked hard to build your life, your home, your savings, your family's security. An umbrella insurance policy is one of the simplest, most affordable ways to make sure one unexpected event doesn't put everything you've built at risk.
Let us compare options across top-rated carriers and find umbrella coverage that fits your life and your budget. Getting started takes just a few minutes, and you'll have a real person ready to walk you through everything clearly, honestly, and without any pressure.
No jargon. No runaround. Just straightforward guidance from people who genuinely care about protecting what matters most to you.
Proudly serving individuals, families, and small businesses in Arizona, California, Colorado, Texas, Oregon, & Utah.
Umbrella Insurance Questions? We've Got Honest Answers.
Usually just a few hundred dollars per year for $1M in coverage. Your exact price depends on your assets and existing policies.
Typically enough to protect your net worth (home, savings, investments, future income). We'll help you choose the right amount.
Not always, but your underlying policies must meet certain liability limits. We'll review and align everything for you.
No, personal umbrella insurance doesn't cover business risks. You may need a commercial umbrella policy for that.
Yes. It protects your assets and future income from lawsuits, even if you're not high net worth.
Yes. Laws and requirements differ, and we tailor coverage based on your state.