Umbrella Insurance

Umbrella Insurance is a personal liability policy that provides an extra layer of financial protection beyond the limits of your homeowners, auto, and boat insurance. It is often called “peace of mind” coverage because it protects your future earnings, retirement savings, and home equity from being seized in a major lawsuit resulting from an accident you or your family cause.

The “Risk Reality”: Protecting Your Future

Accidents happen, and when they involve severe injuries, the costs can skyrocket instantly. If your teen driver causes a multi-car pileup, or a guest suffers a spinal injury at your pool, your standard auto or home policy limits (often $300,000 or $500,000) will be exhausted quickly. The Insurance Information Institute highlights that personal liability awards frequently exceed $1 million in cases involving long-term medical care. Without an umbrella policy, a judge could garnish your future wages for years to pay the debt.

Umbrella Insurance Coverage

We help you calculate your net worth to determine the right amount of shield you need.

Umbrella Insurance Cost

“How much does umbrella insurance cost?” It is remarkably affordable for the amount of protection it provides.

• High Value: According to industry market data, a $1 Million Umbrella policy typically costs between $150 and $300 per year—that’s less than a dollar a day for a million dollars of protection.
• Additional Millions: Increasing coverage is even cheaper; adding a second million usually costs roughly $75 more, and a third million about $50 more.
• Requirement: To qualify, you must hold minimum limits on your auto (usually 250/500) and home policies. If you need to raise those limits, your total premium may increase slightly.

The “Independent Difference”: Why Dream Assurance?

Not all umbrella policies are the same. We make sure yours actually covers your unique risks, from teen drivers to rental units. “Independent Means Multiple Choices.”

• Carrier Compatibility: Some carriers require you to have both your home and auto with them to write an umbrella. We have standalone markets (like RLI) that can write your umbrella even if your home and auto are with different companies.
• Net Worth Calculation: Our team helps you evaluate your assets—including retirement accounts and future earnings—to recommend a limit that truly protects you.
• Teen Driver Solutions: We know adding a teen driver is expensive. We can structure your policies to find the most cost-effective way to get the high limits you need for inexperienced drivers.

 
Experience the confidence shared by the professionals we protect, and let us turn these options into a clear, comprehensive protection plan for you.

Dream Assurance

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Samuel Gonzalez

16:24 15 Dec 25

Michell is great 100%recomended

Marques Sanders

20:19 08 Dec 25

Very nice representatives and excellent service 👌

Red Lightning

04:58 22 Nov 25

Andre helped me get a great insurance for my new vehicle.

Kyle Bragg

18:22 19 Nov 25

Mr. Andre was a massive help beginning to end! He helped us get a great deal on our insurance, and explained everything thoroughly. It isn’t every day you get an insurance agent that you feel actually know what’s they’re talking about AND has your best interest in mind, but he definitely cares about his clients! Thanks Andre, and thanks Dream Assurance!

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