Umbrella Insurance – Extra Liability Protection for Peace of Mind

Accidents and lawsuits can get expensive—fast. If you’re ever found liable for injuries, property damage, or other claims that exceed your auto or homeowners policy limits, you could be paying the rest out of pocket. That’s where umbrella insurance comes in.



Rodgers & Co Insurance helps individuals and families in Pennsylvania and Ohio add an extra layer of protection—usually in increments of $1 million—over their existing policies, so one big claim doesn’t derail your financial future.

Why Consider an Umbrella Policy

Think of an umbrella policy as a backup plan for your backup plan. Once your primary policy’s liability limits are reached, your umbrella policy steps in to cover the rest—often covering claims across multiple policies, including:

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Serious car accidents

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Injuries on your property

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Boating incidents

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Certain lawsuits, like libel or slander

If you have a home, car, savings, or even future earnings to protect, umbrella coverage can be a smart and affordable move.

How Umbrella Insurance Works

Imagine you’re found liable for a multi-car accident in Mercer County. Your auto insurance covers $300,000 in damages, but the judgment is $1 million. Without umbrella coverage, you’d be responsible for the remaining $700,000.



With a $1 million umbrella policy, that extra cost is covered—protecting your assets, retirement accounts, and even future wages from being seized.


Umbrella policies are usually available in $1 million increments, with many people choosing between $1–5 million in coverage.

Who Should Have Umbrella Coverage?

It’s not just for the wealthy. You might want an umbrella policy if you:

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Own a home or have significant savings

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Have teen drivers or frequent guests on your property

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Own recreational vehicles like boats or RVs

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Serve on a nonprofit board or are active in your community

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Simply want added peace of mind in today’s litigious world

Affordable Peace of Mind

For the amount of protection it offers, umbrella coverage is surprisingly affordable—often between $150–$300 per year for $1 million in coverage. That’s less than many people pay for their streaming subscriptions.

Want more tips? Visit our How to Save on Car Insurance ›

Umbrella Policy Requirements

Most insurers require you to carry certain minimum liability limits on your auto insurance and homeowners insurance before they’ll issue an umbrella policy. Rodgers & Co will review your current coverage, make sure you meet the requirements, and set up an umbrella that works across all your policies.

FAQs About Umbrella Insurance

  • Does umbrella insurance cover me anywhere in the U.S.?

    Generally yes, but check your policy for any restrictions.

  • Can it cover claims from my boat or RV?

    Yes—if those vehicles are insured with the required underlying liability limits.

  • What’s the difference between personal and commercial umbrella insurance?

     Personal umbrellas cover individual/family liabilities. Rodgers & Co also offers commercial umbrella insurance for businesses.

Get an Umbrella Insurance Quote Today

Adding an umbrella policy is one of the simplest and most affordable ways to boost your protection.