Umbrella Insurance

Umbrella Insurance

Umbrella Insurance

The personal umbrella policy is an extra layer of coverage that protects you over and above your personal home, auto, and watercraft policies. If a claim exceeds the highest limits of your current policies, the personal umbrella coverage takes over.

To be eligible for an umbrella policy, you must have certain underlying limits of coverage. Your Bearingstar Insurance agent can help determine if an umbrella policy is right for you and guide you through the eligibility requirements.

How Much to Consider

Although $1 million may appear to be more than enough coverage for most people, the total cost of a liability claim can multiply quickly. Balancing the cost of premium with having adequate protection is an important consideration when discussing an umbrella policy.

Connecticut Umbrella Insurance Calculator

Request a Quote

*Future earnings are a projection of your "take-home pay" that could be "garnished" if your other assets are not sufficient to cover financial damages for which you are held responsible. In Connecticut, up to 25% of your "take-home pay" is subject to "wage garnishment" for up to 20 years, creating a substantial potential liability.

Information and use of the interactive estimator are made available to you as self-help tools for your independent use and are not intended to provide insurance advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. The coverage you eventually select should be carefully discussed with your agent, and if possible your financial planner or a personal injury attorney.

  • Photo of a home in a beautiful neighborhood

    Tips for Protecting Your Property and Family Against 4 Common Home Hazards

    There are many things a homeowner can do to make their household secure and comfortable for their loved ones, and we’re certain you’ve already taken numerous steps to ensure your home feels like a well-guarded yet cozy castle. But what if there are additional actions you can take to make your home even safer? The…

  • What is a Businessowners Policy (BOP)?

    Whether you’ve been running a small business for a while or are finally ready to take the plunge and be your own boss, of course you would like peace of mind that your company and all you have and will put into it is properly protected. A businessowners policy (BOP) is typically the most cost-effective…

  • Image of a happy teenager driving a car

    Safe Driving Tips for a New Driver in Your Household

    Getting a driver’s license is an exciting milestone moment that typically means your teen will have more freedom and independence. But, as you let your new driver head out onto the roadways by themselves or with a younger family member, you likely have some concerns about their safety—and for good reason. Even though your teen…

Photo of a home in a beautiful neighborhood

Tips for Protecting Your Property and Family Against 4 Common Home Hazards

There are many things a homeowner can do to make their household secure and comfortable for their loved ones, and we’re certain you’ve already taken numerous steps to ensure your home feels like a well-guarded yet cozy castle. But what if there are additional actions you can take to make your home even safer? The…

What is a Businessowners Policy (BOP)?

Whether you’ve been running a small business for a while or are finally ready to take the plunge and be your own boss, of course you would like peace of mind that your company and all you have and will put into it is properly protected. A businessowners policy (BOP) is typically the most cost-effective…

Image of a happy teenager driving a car

Safe Driving Tips for a New Driver in Your Household

Getting a driver’s license is an exciting milestone moment that typically means your teen will have more freedom and independence. But, as you let your new driver head out onto the roadways by themselves or with a younger family member, you likely have some concerns about their safety—and for good reason. Even though your teen…