Personal Umbrella Insurance – Extra Liability Protection

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Shield Your Assets From Major Claims

Big claims can happen fast. With umbrella insurance Wisconsin residents add an extra layer of liability protection above home, auto, condo, or renters policies. Head Insurance Agency helps households across Sherwood, Appleton, Green Bay, and the Fox Valley prepare for serious situations—from multi-car accidents on I-41 to injuries on your property near Lake Winnebago—so one event doesn’t threaten savings, future income, or college funds. If you already carry homeowners insurance and auto insurance, a personal umbrella can extend those limits for broader peace of mind.

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How Umbrella Policies Work

A personal umbrella sits on top of your underlying policies and kicks in after those liability limits are exhausted. Typical limits start at $1 million and can extend to $2 million, $5 million, or more—often for a surprisingly modest annual premium. To qualify, underlying policies must meet carrier minimums (commonly $250,000/$500,000 on auto liability and $300,000 on home liability). Ask Head Insurance Agency to review your current limits and recommend a right-sized umbrella for your situation.

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Who Should Consider An Umbrella

Most households benefit from higher liability protection, especially if you:

  • Have youthful drivers or frequent carpool duties.
  • Own rental properties or short-term rentals in the Fox Cities.
  • Entertain at home, have a pool, trampoline, or waterfront access.
  • Boat on Lake Winnebago or keep recreational vehicles.
  • Want added protection for savings, retirement accounts, or future earnings.

Landlords can pair an umbrella with landlord insurance, and boaters may want to coordinate limits with their boat insurance to cover on-water incidents.

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Umbrella Insurance Questions, Answered

  • How much does a $1M umbrella cost?

    Often a few hundred dollars per year, varying by drivers, claims history, and number of homes or vehicles.

  • Does a personal umbrella cover my business?

    No. Business exposures need a commercial umbrella. We can coordinate both if you own a company.

  • What underlying coverage is required?

    Carriers set minimums; we’ll confirm your auto and home limits meet eligibility.

  • Can I buy more than $1M?

    Yes—multiple layers are available for higher-net-worth households and complex risks.