Personal Umbrella Insurance in Georgia – Extra Liability Protection for Peace of Mind
Because big claims need big coverage.
At The Elkins Agency, we help Atlanta-area families and individuals extend their protection with personal umbrella insurance — giving you $1 million or more in extra liability coverage beyond your home, auto, or rental property policies. It's an affordable way to protect your assets from life’s unexpected legal and financial risks.
What is Umbrella Insurance?
Umbrella insurance is designed to kick in when the limits of your underlying insurance policies (like auto or home) are exhausted due to a major accident or lawsuit. Here’s how it helps:
Extending Your Liability Coverage
Adds $1–$5+ million in liability protection above your auto, homeowners, or landlord policy.
Real-Life Scenarios
Covers large claims like a serious car accident with injuries, a guest injury on your property, or a defamation lawsuit.
Who It’s For
Ideal for anyone with assets to protect — homeowners, landlords, business owners, or families concerned about rising lawsuit risks.
How Umbrella Policies Work
Underlying Policy Requirements
To qualify, you typically need to carry minimum liability limits on your existing home and auto policies (e.g., $250,000/$500,000 on auto liability).
What’s Covered
Legal defense fees, settlements, and damages from claims like libel, slander, and personal injury — with worldwide protection for you and your household.
Surprisingly Affordable
$1 million in added coverage can cost as little as a few hundred dollars per year — peace of mind at a budget-friendly price.
Our Umbrella Insurance Offering in Atlanta, GA
Bundling for Savings
We help bundle umbrella insurance with your existing policies to unlock discounts and simplify billing.
No Gaps in Coverage
We review your auto, home, or rental policies to ensure your umbrella policy integrates smoothly and covers what it should.
Personal & Commercial Umbrellas
Need higher coverage for your business? We offer commercial umbrella policies too — just ask.
Frequently Asked Questions – Umbrella Insurance
Do I need more than one umbrella policy if I own multiple homes and cars?
No. One umbrella policy can typically extend over all eligible properties and vehicles, as long as required coverage is in place.
Does umbrella insurance cover my rental property or business?
It may cover liability from rental properties if included, but not business liabilities — those need a separate commercial umbrella.
How much umbrella insurance do I need?
It depends on your assets and exposure. We’ll help you determine the right limit — common choices include $1M, $2M, or $5M.
Shield Your Assets Today
Lawsuits can happen to anyone — and when they do, umbrella insurance is your financial safety net. Let’s protect what you’ve built.