Excess liability
Pays judgments and settlements above the liability limits of your underlying home, auto, and watercraft policies.
Personal lines — Mississippi
Umbrella Insurance
An extra layer of liability protection above your home and auto policies — costing less than you'd expect for protection worth far more. Available to clients across Jackson and all of Mississippi.
Start my quoteYour home and auto policies each carry liability limits, but a serious accident or lawsuit can easily exceed them. A court judgment above your policy limits comes out of your savings, your home, and your future earnings.
An umbrella policy adds $1 million or more of liability protection above your underlying policies — covering legal defense, judgments, and claims your other policies don't fully address. For a few hundred dollars a year, it's one of the highest-value coverages we offer.
What umbrella coverage protects
The protection, piece by piece.
Legal defense costs
Covers attorney fees and defense costs for covered claims — often including claims your underlying policies would not defend at all.
Broader covered claims
Extends to some liability exposures your underlying policies exclude, such as certain personal injury claims like libel, slander, and defamation.
Worldwide protection
Follows you beyond your home state — protecting you against covered liability claims arising anywhere in the world.
Worth knowing
Details that make the difference.
You must meet underlying limits
Carriers require your home and auto liability limits to meet a minimum — commonly $300,000/$500,000 — before the umbrella attaches. We'll check your current policies first.
Who benefits most
Umbrella coverage is valuable for anyone with assets to protect, and especially important for households with teenage drivers, pools or trampolines, rental properties, dogs, or public-facing professions.
It's inexpensive for what it does
A $1 million umbrella often costs less per year than a single month of many other coverages — the price scales modestly as limits increase.
Business liability stays separate
A personal umbrella doesn't cover business operations. If you own a business, we can quote a commercial umbrella alongside your business policies.
Umbrella questions
Common questions, answered.
Get your umbrella quote.
Tell us about your current policies and a licensed Triad advisor will check your underlying limits, quote the options, and show you what the extra protection costs.