Personal Lines
Umbrella Insurance
An affordable extra layer of liability protection that goes above and beyond your home and auto policies.
When Your Other Policies Aren't Enough
A single serious accident — a car crash that injures multiple people, a guest who slips and falls at your home, or a lawsuit from an incident involving your teenager — can result in damages that far exceed the limits of your standard policies.
An umbrella policy provides an additional $1 million or more in liability coverage that kicks in after your auto or home policy limits are exhausted. For most families, it's one of the most cost-effective insurance purchases available.
What Umbrella Insurance Covers
Excess Liability
Provides additional coverage above your auto, home, and other underlying policy limits when a claim exceeds those limits.
Bodily Injury Liability
Covers medical expenses, lost wages, and legal costs if you're found liable for injuring someone.
Property Damage Liability
Covers damage you cause to someone else's property beyond what your underlying policies pay.
Legal Defense Costs
Pays attorney fees and court costs for covered claims, even if the lawsuit is groundless.
Personal Liability Situations
Covers certain situations not included in standard policies, such as libel, slander, and false arrest.
Worldwide Coverage
Most umbrella policies provide liability protection anywhere in the world, not just at home.
Why Work With Wheatland?
Affordable Protection
A $1 million umbrella policy typically costs just a few hundred dollars per year — exceptional value for the coverage provided.
Coordinated Coverage
We make sure your umbrella policy is properly coordinated with your underlying auto and home policies to avoid gaps.
Asset Protection
We help you determine the right coverage limit to protect your savings, home equity, and future earnings.
Expert Guidance
We explain exactly what your umbrella covers and what it doesn't — so you're never caught off guard.
Add an Extra Layer of Protection
Contact us to find out how much umbrella coverage you need and how affordable it can be.