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☂️ Extra Layer of Protection

Extra Protection When the Unexpected Happens

Your standard home and auto policies come with liability limits—but what happens if a serious claim exceeds them? Umbrella insurance steps in to provide an extra layer of coverage when you need it most.

At AEC Insurance Services, we help you secure umbrella policies that protect your assets, lifestyle, and future from major liability exposures. One claim shouldn’t derail everything you’ve worked for.

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Insurance Consultation

🧾 What Does an Umbrella Policy Cover?

Umbrella insurance provides additional liability protection that kicks in after your underlying policies (like home or auto) have been exhausted.

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It covers:

  • Bodily injury liability (e.g., car accidents, falls on your property)

  • Property damage liability (e.g., you accidentally cause a fire or damage to others' property)

  • Legal defense costs (even if you're not found liable)

  • Personal liability claims (libel, slander, defamation)

  • Rental property liability (if you're a landlord)

  • Certain claims not covered by other policies

Typical policy limits range from $1 million to $10+ million, depending on your needs.

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🏠 Who Needs Umbrella Insurance?

Umbrella coverage is especially valuable for:

  • Homeowners

  • High-net-worth families

  • Landlords and rental property owners

  • Parents of teen drivers

  • Dog owners

  • Boaters or RV owners

  • Business owners or board members

  • Anyone with significant assets or income at risk

If your home, income, savings, or investments could be targeted in a lawsuit, umbrella insurance is worth considering.

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💡 Why Get It Through AEC?

  • We compare options across top-rated carriers

  • We'll walk you through eligibility (auto/home liability limits must meet minimums)

  • We tailor coverage to your specific risks and lifestyle

  • No upselling—just smart protection you understand

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💸 What It Costs

Umbrella insurance is one of the most affordable ways to protect your assets, often starting around $200–$500 per year for $1 million in coverage.

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❓ Frequently Asked Questions

Does umbrella insurance cover my business?
Standard personal umbrella policies don't cover business activities, but we can help you find a commercial umbrella or excess liability policy if you’re self-employed or own a business.

Will it cover my rental property?
Yes—personal umbrella policies often extend to residential rental units you own. Let us know how many properties you have and we’ll make sure the coverage is structured properly.

Is a $1 million umbrella enough?
It depends on your net worth, earning potential, and risk exposure. We’ll help you assess your needs and review higher limits if appropriate.

Do I have to bundle it with auto and home?
Most carriers require you to have your auto and home with them to issue an umbrella. We’ll help you structure this the right way and find the best match.

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🔁 Bundle & Save

Umbrella policies are often bundled with:

  • Auto Insurance

  • Homeowners or Landlord Policies

  • Watercraft, Motorcycle, or RV Coverage

  • Personal Articles Floaters

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📞 Let’s Make Sure You’re Fully Covered

It only takes one accident to put your assets and future at risk. Let’s talk through your situation and see if umbrella coverage makes sense for you.

Call: 805-328-5001
Email: info@aecriskmanagement.com

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