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426 Main Street Suite 2
Stoneham, MA 02180
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LoPriore Independent Insurance Agency 426 Main Street Suite 2, Stoneham MA

Call us at 781-438.-375 Email Lopriore Insurance for all of your personal and commercial insurance Send us a message at 781-438-1375

Personal Umbrella Insurance

Think you’ve got it all covered?

Purchasing a Personal Liability Umbrella Policy will help you protect your hard-earned assets. Umbrella Insurance will provide an additional layer of comprehensive liability protection for you and your family at a low cost. It also insures against personal injury, which includes libel, slander or defamation of character.

What is it

Personal Umbrella Insurance policy also sometimes referred as an "excess liability policy" provides an additional layer of insurance liability coverage that goes beyond, i.e., is in excess of your policy limits of your primary insurance policy.

why do i need it

Umbrella Insurance will cover excess liability losses when your primary limits on your homeowners insurance, automobile insurance, boat insurance, snowmobile and/or recreational vehicle policy have been exhausted. Umbrella policy can fill liability gaps not covered by standard policies.

Who needs it

If you are looking to protect your hard-earned assets, we strongly advise that you purchase a personal liability umbrella policy. An umbrella offers comprehensive liability protection for you and your family at a low cost. It also insures against personal injury, which includes libel, slander or defamation of character.


Liability protection for peace of mind

A personal umbrella policy purchased from LoPriore Insurance agency provides you with two types of valuable coverage:

  1. Additional liability coverage – for you and your family over and above the present amounts you now have on the following:
  • Automobile
  • Home
  • Boat
  • Recreational vehicles
  • Snowmobiles

2. Primary coverage – for important non-business liability claims not covered on your other policies.  Liability claims such as defamation of character, libel or slander.

Payment for court costs

If you ever need legal defense for a covered claim, you will be reimbursed for:

  • Defense costs, which could be substantial, not payable by your basic policies.
  • Interest on unpaid judgments.
  • Premiums on appeal bonds.
  • Reasonable expenses incurred by us.  Reasonable expenses incurred by you at the insurer’s request.

Judgments from these lawsuits can easily exceed the liability limits on your underlying insurance policies, especially if there is a critical injury or loss of life:

  • Libel
  • Slander
  • False arrest

Note: a deductible applies to a covered claim where there is no underlying coverage.


Personal umbrella liability limits are available from $1 million to $50 million.  LoPriore Insurance agency can assist you with getting the right coverage for the right price.


When should I get personal umbrella insurance?

The Umbrella Insurance policy is a low-cost way to safeguard your financial assets and future potential income.

How much umbrella coverage should I buy?

The three key factors to consider when establishing the amount of umbrella insurance to buy are current net worth, future income, and the risk you plan to protect against. Also, the cost of umbrella insurance protection could decide how much coverage you may wish to carry.

How much does an umbrella policy cost?

Typically, the average insurance cost for an Umbrella policy generally starts between $150 to $350 annually. In most cases an additional million will cost less and for every million thereafter.

See our Reviews
  • Adam Griffith is our main man at lopriore insurance. Very efficient and honest! Not just an agent but a trusted advisor. Try and find someone to figure out how to insure a tattoo shop within a barber shop?? You would think it’s not possible, but Adam made it happen.- Boston Barber & Tattoo Co. North End