Umbrella insurance provides extra liability protection beyond your home, auto, rental property, or recreational vehicle policies.
In a major accident or lawsuit, standard policy limits often aren’t enough — and your assets may be at risk.
A personal umbrella policy adds $1–$5 million+ of additional protection at an affordable cost.
We help Tempe residents secure strong umbrella coverage for:
- Families
- High-net-worth individuals
- Homeowners
- Landlords
- Professionals
- Multiple-vehicle households
- Households with teen drivers
Why You May Need an Umbrella Policy
Serious Car Accidents
If you cause a major accident with injuries, medical bills can exceed auto policy limits.
Dog Bite or Pool Liability
Arizona is a strict-liability state for dog bites, increasing your exposure.
Rental Property Liability
Landlords are sued more often than primary homeowners.
Teen Drivers in the Household
Young drivers dramatically increase liability risk.
High-Value Assets
Homes, savings, and investments could be targeted in a lawsuit.
What Umbrella Insurance Covers
An umbrella policy provides excess coverage above:
Auto Liability
Protects you from claims involving:
- Bodily injury
- Property damage
- Multi-vehicle accidents
- Pedestrian injuries
Home Liability
Extends your coverage for:
- Injuries on your property
- Dog bites
- Pool accidents
- Guest injuries
Landlord Liability
Covers rental property exposures.
Personal Injury Claims
Including:
- Slander
- Libel
- Defamation
Legal Defense Costs
Coverage even if the lawsuit is groundless.
Who We Insure in Tempe
We provide umbrella protection for:
- Families with multiple vehicles
- Households with teen drivers
- High-value homeowners
- Condo owners
- Landlords (single or multiple properties)
- Professionals needing higher liability limits
- Retirees protecting assets
- Boat, RV, or toy-hauler owners
How to Get Umbrella Insurance in Tempe, AZ
- Call or text 480-270-2935 — this is step one.
- Provide info on your home, autos, and drivers
- We compare the top umbrella carriers
- You choose the best rate and coverage limit
Many policies can be issued same day.
Umbrella Insurance FAQs — Tempe, AZ
How much does umbrella insurance cost?
Most policies range from $150–$400 per year for $1 million in coverage.
Absolutely — do I need high auto/home limits first?
Yes. Most carriers require underlying limits such as:
- Auto: $250k / $500k
- Home: $300k liability
Can landlords get umbrella coverage?
Yes — umbrella is strongly recommended for rental property owners.
Umbrella Insurance in Tempe, AZ — Get a Quote Today
Protect your family, your assets, and your future with umbrella insurance.
Call or text 480-270-2935 for a personal umbrella insurance quote.
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Llámanos al 480-270-2935 para cotizar un seguro umbrella (responsabilidad extra) en Tempe, AZ.