Umbrella Insurance

Personal umbrella liability insurance can help when life takes an unexpected turn. Accidents happen, and in some cases, even a well-insured individual can find themselves exposed to claims that far exceed the limits of their standard home or auto policy. At Elliott, Powell, Baden & Baker, our experienced agents help Oregon residents determine whether a personal umbrella policy is the right fit for their situation and budget.

What is Umbrella Liability Insurance?

A personal umbrella policy is a type of liability insurance that kicks in once the coverage limits on your underlying policies, such as homeowners, auto, or boat insurance, have been exhausted. Think of it as an extra layer of financial protection that sits above your existing coverage, shielding your assets and future earnings from large or unexpected claims.

For example, if you are found liable for a serious car accident and the damages exceed your auto liability limit, your umbrella policy would cover the remaining balance up to its own limit — typically starting at $1 million. Without umbrella coverage, you could be personally responsible for paying the difference out of pocket.

What Can Umbrella Liability Insurance Cover?

Personal umbrella liability insurance provides broad, flexible coverage for policyholders. Make sure coverage is specific to your state requirements in Oregon, California or Washington. Typically Umbrella Insurance extends above and beyond the limits of your standard home and auto policies, providing an additional layer of financial security when you need it most.

A personal umbrella policy covers:

• Bodily injury liability — if someone is injured as a result of an accident for which you are at fault
• Property damage liability — if you damage someone else’s property
• Personal liability — including libel, slander, and defamation claims
• Landlord liability — if you own rental property, umbrella coverage can extend over your existing landlord liability policy
• Incidents involving household members — coverage typically extends to all members of your household

Because umbrella policies are designed to complement your existing coverage, most insurers require you to carry a minimum level of liability insurance on your underlying home and auto policies before an umbrella policy can be added.

Why Choose EPB&B for Umbrella Insurance?

Elliott, Powell, Baden & Baker has been serving Oregon, Washington and northern California families and businesses since 1917. As one of the Pacific Northwest’s most trusted independent insurance agencies, we work with a wide range of carriers to find the right coverage for each individual client. We are not a one-size-fits-all solution.

Our team of licensed insurance agents will review your existing home, auto, and other liability policies, identify potential coverage gaps, recommend the appropriate umbrella coverage level for your situation, compare quotes from multiple carriers on your behalf, and answer your questions in plain language. We’re based in Portland and proudly serve clients throughout Oregon, including Bend, Hood River, and the surrounding communities.

DISCLAIMER
Some policies are different from what’s described here. Be sure to read and understand your individual policy or contact us if you have questions.