Missouri Umbrella Insurance

At MBG, whether you’re protecting your home or your assets, we have you covered. We can help customize your umbrella insurance to fit your unique needs. We handle the shopping for you with multiple companies to find the best coverage. Getting started only takes a few minutes.

Umbrella Insurance
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Umbrella Insurance

Missouri umbrella insurance adds an extra layer of liability protection beyond your auto and home policies, with flexible limits and affordable options. Customize a personal umbrella policy with coverage for bodily injury, property damage, and legal defense—plus available discounts to fit your budget. Protect your assets and future with confidence, backed by an agency with extensive experience providing Missouri umbrella insurance.

What Does Missouri Umbrella Insurance Cover?

Umbrella Insurance typically provides extra liability protection above your home/auto/watercraft policies. They can include:
Core protections:
- Liability: Pays above your underlying policy limits for injuries or property damage you cause. Kicks in after auto/home/boat liability is exhausted.
- Personal injury: Often covers claims like libel, slander, defamation, false arrest, and invasion of privacy (policy language varies).
- Legal defense: Covers attorney fees and court costs, sometimes even if a claim is groundless—often outside the liability limit depending on your policy.
- Worldwide coverage: Generally applies anywhere, subject to policy terms.
- Household members: Usually covers you and resident relatives.
Requirements and how it works:
- Underlying limits: You must maintain minimum liability limits on auto/home/watercraft for the umbrella to respond.
- Self-insured retention (SIR): For certain claims not covered by underlying policies, you may pay an SIR (e.g., $250–$1,000) before the umbrella responds.
- No coverage for your own injuries or your property; it protects your assets from others’ claims.
Optional or enhanced features (vary by insurer/state):
- Broader personal injury coverage endorsement.
- Excess uninsured/underinsured motorist (UM/UIM) on top of auto limits (not available with all carriers).
- Landlord/tenant liability for rental properties.
Common exclusions:
- Intentional or criminal acts.
- Business/professional activities (unless specifically endorsed).
- Contractual liability you assume by agreement.
- Certain vehicles/watercraft not listed or lacking required underlying coverage.
Tips:
- Match limits to your assets and future earnings risk (often $1M–$5M+).
- Confirm and maintain required underlying limits to avoid gaps.
- Review who’s covered (teen drivers, household members) and any rentals or properties.
- Reassess annually as your assets, income, and risks change.

Note: Every policy is built differently. Ready your policy and ask your agent to understand if your policy includes all of these mentioned above.

Missouri Umbrella Insurance FAQ

Umbrella Insurance

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