Umbrella insurance provides additional liability coverage above the limits of your auto, home, and watercraft policies. If a covered claim exceeds your underlying limits, your umbrella policy can pay the difference, up to its own limit. Anchor Insurance helps Indianapolis and central Indiana residents compare umbrella options from multiple carriers and set limits that match their assets and exposures.
Umbrella coverage begins where your primary liability coverage ends. For example, if you cause a serious accident and the judgment exceeds your auto liability limit, your umbrella policy can cover the remaining amount. Most carriers require you to carry minimum liability limits on your underlying policies before an umbrella can be issued, and we help you coordinate those limits.
Umbrella insurance is worth reviewing if you own a home, have teen drivers, own a pool or trampoline, rent out property, or operate a boat or personal watercraft. Because our agency is anchored in the marine industry, we often extend umbrella coverage over boat and watercraft insurance policies. Owners of rental homes can also add umbrella protection above their landlord insurance.
An umbrella policy works best when it is aligned with your Indiana auto insurance and Indiana home insurance. We compare options from carriers such as Chubb, Grange, and Progressive and review your underlying limits to avoid gaps.
Umbrella quotes are prepared by our agents based on your current policies and liability limits. To request a quote, contact Anchor Insurance to review your liability limits with a local agent.
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