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Personal Umbrella Insurance

Umbrella Insurance - Main Page 6x4
Because Life Doesn't Always Go As Planned

Meet life’s unexpected twists with a grin, thanks to Personal Umbrella Insurance from LoPriore Insurance Agency. Just like that favorite umbrella you reach for when the clouds roll in, our personal umbrella insurance policy has got you covered when life decides to rain on your parade. It adds that extra cushion of protection over your standard auto, home, or boat insurance – kicking in when the usual coverage just doesn’t cut it.

Here at LoPriore, we’re all about giving you the peace of mind to live your life boldly, knowing we’ve got your back. So, dive into our services, discover just how we can help you keep the good times rolling, even when the clouds gather. With LoPriore Insurance, you’re always prepared for life’s little surprises.

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Massachusetts Umbrella Insurance
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Massachusetts Umbrella Insurance
Lopriore Insurance Agency

Umbrella Insurance - Family Together

Welcome to LoPriore Insurance, where we take the ‘complicated’ out of insurance, so you can take it easy. Let’s face it, life can get stormy and sometimes, your standard insurance policies limits aren’t enough. But worry not, because our Personal Umbrella Insurance is here to shelter you and provide higher limits of coverage to keep you protected from potential situations that may arise.

Also our partnerships with top-notch local, national, and regional insurance companies at our fingertips, we can offer solutions that aren’t just off the shelf, but customized to fit you like a glove. Whether it’s personal liability, property damage, or the whole lot – we’re out to make sure you’re totally covered. With us, you’re always secure!

What Personal Umbrella Insurance Covers

Single-Family Home




Multi-Family House

Vacation Home

Secondary House

Personal Auto


Recreational Vehicles

What Personal Umbrella Insurance Covers


Recreational Vehicles

Single Family Home


Town House

Vacation Home

Secondary Home

Multi Family Home

Understanding the Importance of
Umbrella Insurance

A personal umbrella insurance policy protects you from large liability claims that could be financially devastating. The policy allows you to choose the limits you need to cover gaps in your standard insurance policies and provide protection against personal injury. 

What is It?

Personal umbrella insurance (sometimes called excess liability) provides additional liability coverage  beyond your primary insurance policies. For example, when the limits of your homeowner’s or auto policy limits are exhausted, your umbrella policy offers the extra coverage you need. It helps cover for claims in excess of your regular insurance policies. This type of insurance can also protect you from claims typically excluded from other liability policies, such as libel, false imprisonment, or slander.

Why Do I Need It?

Personal umbrella insurance is designed to provide an additional layer of personal liability when you need it. Customarily the Personal Umbrella policy starts where your primary policy liability limits end. Most Umbrella policies cover the increased limits for things like your home, auto, boat, recreational vehicle, or snowmobile. 

Umbrella insurance can also provide the liability coverage you need for personal injury, including libel, slander, and defamation of character.

Who Is It For?

Anyone seeking additional coverage for hard-earned assets can benefit from a personal umbrella insurance policy. Accidents are unpredictable, and costs add up quickly. Anyone can benefit from personal umbrella insurance. Generally, this type of insurance is suitable for anyone whose assets’ value exceeds the limit of his or her insurance policy. If you own properties or have significant savings and assets, it will also be highly recommended to take out a policy. The rationale is to get as much coverage as you can to protect your assets fully. This way, you need not worry about getting into a lawsuit or a similar situation, where you may lose some of your assets. 

How Much Do Personal Umbrella Policies Cost?

The cost of an umbrella insurance policy will vary depending on your desired coverage, where you live, and the amount of risk gauged by the provider. However, it is not as costly compared to most other insurance policies. A $1 million personal umbrella policy will cost you about $175 to $300 annually. Additional limits are available and will be priced accordingly.  

Most umbrella policies are offered in million-dollar increments, so getting even the minimum coverage of $1 million can provide you with ample protection. A quick way to determine how much you will need is to calculate the value of all your assets and compare this against your current liability insurance. Our team will gladly help you with any necessary computations, should you be interested in getting an umbrella policy.

Commercial Umbrella

Factors That Affect the Cost of an Umbrella Policy

Several factors can affect the cost of your umbrella policy. To help you get a better understanding of how prices are determined, here are some of the most common considerations made in doing so:

Insurance rates vary by state and city, and the same principle applies for personal umbrella insurance. In Massachusetts alone, the costs can vary significantly from one city to another.

Risk Profile
The cost of your insurance can also be affected by the amount of risk you are exposed to based on your lifestyle. For example, if you have things like swimming pools or trampolines in your home, these may pose a risk for injuries. Our insurance agents can help you determine your risk level as you discuss your policy options.
Credit History

Your credit history may also play a role in determining your insurance cost so that poor credit history may equate to a higher cost. This serves as a way to gauge how risky it is to insure you, so the better your credit standing, the higher the chances that you can reduce your insurance costs.

Coverage Limits
The umbrella limit you choose to purchase should be based on what you are looking to protect. In most cases the umbrella policy limit set is equal to your personal net worth or your risk tolerance.

Aside from these, your desired coverage amount and the insurance company you choose will also affect the cost of your insurance. Our agents can help you compare prices among our many insurance partners to help you decide which you want to get.

Shield Your Assets
Secure Your Peace of Mind

Request Your Umbrella Insurance Quote Today

Safeguard your hard-earned assets with the right protection. Take the first step towards comprehensive protection by requesting a quote for Umbrella Insurance today!

What Are the Eligibility Requirements for
Personal Umbrella Insurance

You might have heard about Personal Umbrella Insurance, but what does it really cover? Well, it’s a type of policy that offers an extra layer of protection above your standard insurance policies. Let’s break it down and see how this safety net can help you navigate life’s unexpected challenges.

Primary Underlying Insurance
Most umbrella insurance policies require you to have certain minimum liability limits on your primary insurance policies, such as auto insurance and homeowners insurance. Typically, this requirement ranges from $300,000 to $500,000, but it can vary depending on the insurance company.
Credit Worthiness
Insurance providers may consider your net worth as a factor when determining eligibility. Since umbrella insurance provides additional liability coverage beyond the limits of your primary policies, having a higher net worth can indicate a greater need for additional protection.
Risk Factors
Insurance providers will assess your risk profile, including factors such as your occupation, hobbies, and lifestyle choices. Engaging in high-risk activities or having a profession with a higher likelihood of liability claims may affect your eligibility.
Claims History
Your claims history can impact your eligibility for umbrella insurance. Insurance providers may review your past claims, particularly those related to liability, to assess your risk level.
Your employment can impact your eligibility for umbrella insurance as certain professions may be considered higher risk in terms of liability exposure, and owning a business may require additional coverage considerations.
Driving Records
Your driving history can influence your eligibility for an umbrella insurance policy. Insurance providers review your driving history for accidents, violations, inexperienced operators, and claims, to assess your risk profile and determine the level of coverage they are willing to offer.

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What’s The Advantage of Comparing My Insurance Policy?

When you send us a copy of your policy, our team has an opportunity to get a snapshot of your current insurance coverage, discounts, and added riders on your existing insurance policy.

Where Do I Find a Copy of My Insurance Policy?

Insurance companies send you a copy of your insurance policy annually and if any changes to your policy have been made during the year. However, if you are unable to locate your policy, your insurance company or insurance agent should be able to send you a duplicate copy via email, fax, or mail.

What Happens When You Upload Your Policy?

Once we receive your uploaded policy one of our team members begins reviewing your policy. We will then contact you to discuss your coverage options. Every insurance company has different underwriting guidelines and offers different coverages and rates. Be advised while we try our best to quote with the information provided it still may be necessary to obtain additional information from you to prepare the most accurate rate.

Umbrella Insurance FAQs

A personal umbrella insurance policy is always available when you’re seeking a low-cost way to safeguard your financial assets and potential future income. Anyone can benefit from personal umbrella insurance.

There are three key factors to take into consideration when determining the amount of umbrella coverage you need.

  • Current net worth
  • Future income
  • The financial risk you plan to protect against

The cost of the policy may also impact your decision.

The average cost for an umbrella policy begins between $150 and $350 yearly. In most cases, adding an additional $1 million in coverage will cost less, as well as every $1 million beyond that.

Family members living in your home are generally protected by your personal umbrella policy. However, some exclusions apply, so it’s important to read your policy carefully and share any concerns with your insurance agent.

Umbrella insurance can help rental tenants in a few different ways. If you have renters insurance, an umbrella policy can extend the liability limits beyond standard coverage. Additionally, if an accident occurs and you’re found liable for causing bodily injury or property damage, your umbrella policy can help you cover damages and legal fees.

Extra Coverage, Extra Peace of Mind

Why risk it? Secure your assets and peace of mind against life’s unexpected turns. Fill out the form below for a free, no-strings-attached quote. It’s time to play it safe – your safety net is just a click away!

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