Umbrella Insurance

Umbrella Insurance That Has You Covered When It Counts Most
Affordable Extra Liability Coverage for your Family

Even the best home or auto insurance can fall short in a serious claim. If someone is seriously injured on your property or you’re found liable in a high-dollar car accident, your standard policy may not be enough to cover the damages. That’s where umbrella insurance comes in. At Patriot Insurance Solutions, we help our clients add an extra layer of protection—so your savings, your future, and everything you’ve worked for doesn’t disappear in a single lawsuit. Whether you live in East Brainerd, Cleveland TN, or Dalton GA, our team will help you secure the peace of mind that comes with true coverage.

What Exactly Is Umbrella Insurance—and Why Might You Need It?

A white car is parked on the side of the road in front of a house.

Claims That Exceed Home or Auto Policy Limits

Umbrella insurance adds an extra $1 million or more in coverage on top of what your home or auto insurance already provides. If your auto policy covers $300,000 and you're sued for $900,000 after a major accident on I-75, your umbrella policy could cover the remaining $600,000—protecting your assets and your future.

Personal Injury Lawsuits Like Libel or Slander

Some umbrella policies extend beyond basic bodily injury or property damage and also cover personal liability issues such as defamation, false arrest, or invasion of privacy. This can be especially important in today’s digital world, where a social media post or community conflict could turn into a legal battle.

Liability for Boats, Rentals, or Recreational Vehicles

If you own a boat on Chickamauga Lake or rent out a second property in Ooltewah, your umbrella policy can often be extended to provide extra protection—as long as those assets are covered by a base policy. This makes umbrella coverage especially useful for families with multiple homes, vehicles, or hobbies that carry risk.

Worldwide Liability Protection

Your homeowners policy might stop at the state line—but an umbrella policy often follows you around the world. If an incident occurs while traveling internationally and you're held liable for damages, your umbrella insurance could still respond, depending on the claim type and policy terms.

What Umbrella Insurance Does Not Cover

Umbrella insurance does not pay for your own injuries, property damage, or any intentional harm you cause. It won’t cover a house fire at your own home or injuries you sustain in your own car accident—that’s what homeowners and auto policies are for. Umbrella is for liability only, meaning it steps in to protect you from large claims made against you.

Is Umbrella Insurance Right for You?

You don’t have to be wealthy to need umbrella coverage—you just need something to protect. If you:

  • Own a home, car, boat, or rental property
  • Have savings, retirement accounts, or college funds
  • Host guests frequently or have a teen driver on your policy
  • Own a dog, pool, trampoline, or other higher-risk features
  • Live an active life online or in the community where lawsuits are possible

...then umbrella insurance might be one of the smartest, most affordable coverage upgrades you can make.

We provide personal umbrella policies across Tennessee, Georgia, and Alabama—including Chattanooga, Dalton, Cleveland, and Huntsville.

Umbrella Insurance FAQs

  • How much does umbrella insurance cost?

    In most cases, a $1 million umbrella policy costs between $150 and $550 per year, depending on your risk factors and how many base policies you have (auto, home, rental, etc.). It’s one of the best value-to-coverage options available, especially when you consider how high legal fees or injury settlements can climb.

  • Do I need to have my auto and home with the same company to qualify?

    Not always—but many umbrella insurers require your underlying home and auto policies to meet certain liability limits, and in some cases, to be with the same provider. As an independent agency, we’ll coordinate across multiple carriers to make sure you’re eligible and fully covered without locking you into one brand.

  • Can umbrella insurance cover my rental property or boat?

    Yes—as long as the underlying liability coverage exists on those properties or vehicles. For example, if you own a rental home in Red Bank or a boat docked on Chickamauga Lake, we can often extend umbrella coverage to those risks. Just let us know what you own, and we’ll tailor a plan that fits.

  • How much umbrella coverage should I carry?

    It depends on your net worth and your exposure. Many clients start with $1 million, but others opt for $2–5 million if they have more assets or higher risk (teen drivers, rental units, public visibility, etc.). We’ll help you calculate the right level based on what you need to protect.

  • Do I really need umbrella insurance if I already have home and auto?

    Home and auto policies have limits—and serious claims can exceed them. For example, if your auto policy covers $300,000 and you’re sued for $800,000, your umbrella policy can help cover the extra $500,000. Without it, you could be responsible out of pocket. Umbrella insurance acts as a financial backstop for life’s worst-case scenarios.