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.

  • Guide to Smart Home Tech Safety

    Today, advancements in technology have made home automation available at our fingertips. From turning on lights when you’re not home to adjusting your thermostat and managing security cameras, there are a number of gadgets you can now rely on to create a more efficient and smarter home. You can even use it to monitor and…

  • The Ultimate Moving Checklist

    You’ve found the perfect home, made an offer, signed off on all your paperwork, and you’re finally ready to start the next chapter of your life — but first, you have to tackle your move. No matter how long you’ve been in your current home, you may feel overwhelmed by the whole process, and we…

  • How Rising Construction Costs and Home Values Can Affect Your Homeowners Insurance

    Construction costs are on the rise due to soaring lumber prices and the cost of other raw materials. If you already own a home, you may not think these cost increases will affect you. However, they have a direct impact on the amount of insurance you should have on your home. When construction costs increase,…

Guide to Smart Home Tech Safety

Today, advancements in technology have made home automation available at our fingertips. From turning on lights when you’re not home to adjusting your thermostat and managing security cameras, there are a number of gadgets you can now rely on to create a more efficient and smarter home. You can even use it to monitor and…

The Ultimate Moving Checklist

You’ve found the perfect home, made an offer, signed off on all your paperwork, and you’re finally ready to start the next chapter of your life — but first, you have to tackle your move. No matter how long you’ve been in your current home, you may feel overwhelmed by the whole process, and we…

How Rising Construction Costs and Home Values Can Affect Your Homeowners Insurance

Construction costs are on the rise due to soaring lumber prices and the cost of other raw materials. If you already own a home, you may not think these cost increases will affect you. However, they have a direct impact on the amount of insurance you should have on your home. When construction costs increase,…

We are happy to confirm that all of our locations are open and welcoming the public to visit. Though we were able to provide our customers with uninterrupted service throughout the year, we very much look forward to seeing you in person again!