Umbrella insurance offers coverage for lawsuits and any large claims that may not be covered by your primary liability terms. Essentially, it is an added layer of protection that can help to protect you, your family, and any other members of your household against catastrophic losses that may arise.

Its name gives a good description of what it is: just as an actual umbrella protects you from getting wet when it starts raining, umbrella insurance protects your money by filling in the financial gap that is not covered by your primary liability insurance. If an event unfolds where you are deemed responsible for another individual’s injuries, property damage, or financial losses, and your liability obligations surpass what your primary insurance policy can cover, your umbrella insurance policy will kick in to cover the excesses up to its own designated coverage limits.

The majority of umbrella insurance policies begin at $1 million of extra liability insurance. From there, the coverage can usually be increased in $1 million increments. What that means is that if you are sued and the judgment against you is significant, an umbrella insurance policy can aid you in retaining your property, savings, and any other assets by providing you with a large amount of liability coverage. People are often surprised to see how affordable umbrella insurance policies can be. That surprising affordability is made possible by the fact that umbrella insurance does not kick in until an individual’s primary liability coverage has been totally depleted.

If you’d like to learn more about umbrella insurance, our agents at Gambale Insurance Group can answer any questions you may have as you decide whether you would like to have this protection for your valued assets. We can help you to seamlessly obtain the coverage you’d like at a competitive price.


Bodily Injury
Covers the difference in perilous situations such as a neighborhood child breaking his arm on your backyard trampoline or your dog biting a delivery person.

Personal Injury Protection
Covers you in the case that you lose a lawsuit for slander, libel, or defamation or in claims brought against you for false arrest, mental anguish, defamation of character, invasion of privacy, and wrongful eviction.

Property Damages
Covers you for property you may be renting or borrowing in the event that an incident occurs and you need to pay repair costs.

Legal Defense
Covers lawyer fees if you need to defend yourself in a lawsuit.