Umbrella Insurance in Nashville, Tennessee
Umbrella insurance adds extra liability protection above your home and auto policy limits. It can help protect your income and assets in larger claims or lawsuits.
Extra liability protection beyond your home and auto policies.
What's Covered
- Additional liability coverage beyond home/auto limits
- Coverage for lawsuits and legal claims
- Protection for libel, slander, and defamation
- Coverage for rental properties you own
- Worldwide coverage
- Defense costs covered even if the claim is groundless
What's Typically Not Covered
- Intentional damage or criminal acts
- Business-related liability (requires commercial insurance)
- Property damage (umbrella is liability-only)
- Contracts you sign
Why It Matters
If you cause a serious accident or someone sues you for a large amount, your home and auto insurance limits may not be enough. Umbrella insurance provides an extra layer of protection, often for just $200-400/year per million in coverage.
Average Costs in Nashville
$200-400/year for $1 million in coverage, $50-75 for each additional million.
You May Also Need
Protect yourself with comprehensive coverage.
Homeowner's Insurance
Umbrella insurance sits on top of your home and auto policies. Make sure your underlying coverage limits are adequate, we can help optimize your entire insurance portfolio.
Learn MoreLife Insurance
Protecting your assets with umbrella insurance? Don't forget to protect your family's future income with life insurance.
Learn MoreFrequently Asked Questions
Who needs umbrella insurance?
Anyone with assets to protect. If you own a home, have savings, or high future earnings potential, umbrella insurance shields you from devastating lawsuits.
How much coverage do I need?
A good rule of thumb is to match your net worth. Most people start with $1-2 million in coverage.
Does it cover my business?
No. Umbrella policies are for personal liability only. You'll need separate commercial liability insurance for business activities.
More Tennessee Insurance Resources
Review statewide FAQ guidance and requirement summaries: