Umbrella insurance · Chandler, AZ

When a claim goes past your liability limits, an umbrella adds the next layer.

Umbrella insurance is extra liability coverage above your auto and home policies. Our agents read the liability limits on your current policies and tell you plainly whether you need one.

Get my umbrella quote Call (480) 545-8877

• 4.8 from 86 Google reviews
• Hablamos español
• Mon–Fri 8–6 · Sat 8–12

An umbrella sits on top of

• Auto liability
• Home or renters liability
• Boat, RV or motorcycle

What does umbrella insurance cover?

A serious accident can lead to a lawsuit bigger than the liability limit on your auto or home policy. Past that limit, those policies stop paying.

An umbrella can help pay covered costs from there, up to its own limit, depending on its terms and exclusions. That can help protect your assets and your future wages.

What an umbrella can help pay for

• Injuries to other people: their medical costs, lost income and funeral expenses after a covered accident.
• Damage to someone else’s property: including the time they can’t use it.
• Your legal defense: if you’re sued over a covered incident, the insurance company may hire and pay for your attorney.
• Claims your other policies may not cover: like libel, slander, false arrest or invasion of privacy.

What it doesn’t cover

• Your own car, home or belongings
• Your business
• Intentional or criminal acts
• Liability you take on in a written or oral contract

Have your current declarations page handy

One short call gets you real numbers. That page shows your current liability limits, which is where an umbrella starts. Prefer email? Send us a copy.

“Excellent service; they always answer calls and provide courteous, friendly service. Highly recommended.”

★★★★★Gonzalo Moreno, Google review

• 4.8★From 86 Google reviews
• 3,000+Arizona customers
• Hablamos españolEnglish or Spanish
• Call or email usMon–Fri 8–6 · Sat 8–12

Then

Your umbrella policy

Can help pay covered costs above the limits below, up to its own limit

First

• AutoLiability pays first
• Home or rentersLiability pays first
• Boat, RV, motorcycleLiability pays first

Illustration. Your policy documents have the exact terms.

How it works

Your policies pay first. The umbrella can pay next.

1. 01

   Up to your auto or home limit.

   A covered claim goes to the liability on your auto, home or renters policy first. It pays up to the limit shown on your declarations page.

2. 02

   Above it, up to the umbrella’s limit.

   Covered costs past that limit can go to your umbrella, up to its own limit.

3. 03

   It can apply when you travel.

   Coverage can apply even when you’re out of the country. It can also help with wages you lose to a court appearance.

Pools, teen drivers, rentals

Who should ask about an umbrella.

If someone could sue you for more than your auto or home liability limit, ask us about an umbrella.

• A pool or a busy backyard

  A guest slips by the pool or a neighbor’s kid falls off the swing set. An umbrella can add liability coverage above your home policy’s limit.

• A teen driver at home

  If your teen causes a serious accident on the 101 or the 202, the claim can be bigger than your auto liability limit.

• A rental property

  If a tenant or a guest is hurt at your rental, you could be sued as the owner. Ask us how an umbrella works with your landlord policy.

• Savings, investments and a paycheck

  Tell us your savings, home equity and income, and we’ll show you the umbrella limits available.

• A dog in the family

  If your dog bites someone and you’re sued for more than your home liability limit, an umbrella can help pay covered costs above it.

• A boat, RV or motorcycle

  Lake weekends and desert rides carry liability too. An umbrella can sit on top of those policies when they meet the required limits.

Auto + Home + Umbrella

One local team for every layer.

An umbrella sits on top of your auto or home policy, so we quote them together and check that your limits qualify before you buy.

• One team for questions and changes
• Call or email us, in English or Spanish

Get my quoteHow bundling works

How to get one

Real numbers in three steps.

1. 1

   Tell us the basics

   Use the quote form, or call us with what you drive, where you live and who’s on your policies.

2. 2

   We check what’s underneath

   We look at the liability limits on your auto and home first, since the umbrella sits on top of them.

3. 3

   Pick your limit

   We lay out the umbrella limits available to you and you choose one.

Questions before you get a quote?

Call us or email your question. We answer in English or Spanish.

Call (480) 545-8877Email us

Google reviews

Our customers, in their own words.

4.8 ★★★★★

4.8 / 5 average · 86 reviews

78 of them are five stars

★★★★★Google review

Outstanding service from start to finish. My agent was knowledgeable, patient, and truly cared about finding the right policy for me. They explained everything clearly and made sure I felt confident in my decisions. I appreciate the responsiveness and professionalism—definitely a 5-star experience!

KKKneo Knight ★★★★★Google review

A minor issue came up on my home policy review, Barb got on it, reminded me (a couple of times) and got it successfully resolved. The definition of customer service.

DGDavid Girle ★★★★★Google review

People here are great… The folks here fought & got this resolved.

MMMike Mckinnon ★★★★★Google review

I contacted Mr. Ballard looking for transfer my business to a new insurance company… He sat down with me and explained all of the different options I had.

JHJeff Heskett ★★★★★Google review

Ronald is a great agent, is always answering questions when needed and fast responder!

FRFernando Rico

Questions

Umbrella insurance questions, answered.

I already have auto and home insurance. Why add an umbrella?

Two reasons. You could be sued for more than those policies’ liability limits, and they often don’t cover personal injury claims like libel, slander or false arrest. An umbrella can help with both, depending on its terms, limits and exclusions.

Do I need my auto or home insurance with you first?

Usually. Allstate generally requires an Allstate auto or property policy underneath, with certain minimum liability limits. If your limits are lower today, we’ll quote the higher limits before you decide.

How much umbrella coverage do I need?

It depends on what you own, what you earn and who lives with you. We’ll go over your savings, home equity and income with you, then show the umbrella limits available side by side.

I rent. Is an umbrella still worth it?

It can be. Not owning a home won’t stop someone from suing you after an accident. An umbrella can sit on top of a renters policy and your auto policy.

Who in my house can an umbrella include?

You and your spouse, anyone named on the policy declarations, and any relative or dependent who lives with you, which can include a teen driver. Your policy’s terms list exactly who it includes.

What do I need for an umbrella quote?

Your auto and home or renters declarations pages, since they show the liability limits an umbrella sits on. It also helps to tell us who lives with you, who drives, and about any pool, rental, boat or RV. With those handy, one short call gets you real numbers.

Related coverage

An umbrella builds on these policies.

• AutoYour cars and drivers
• HomeMonsoon, tile roofs, pools
• LandlordRentals and duplexes
• Not sure what you need?Call (480) 545-8877

Mon–Fri 8–6 · Sat 8–12

Ask if your limits need an umbrella on top.

Call or email us. If an umbrella doesn’t make sense for you yet, we’ll say so.

Get my quote Call (480) 545-8877 Email us