Affordable Stand Alone Umbrella Insurance for Peace of Mind
At G&G Insurance, we proudly offer the most comprehensive umbrella insurance coverage, along with unbeatable savings and unparalleled service. And that’s why families across the country trust us to protect what matters most.
Why Umbrella Insurance Is Essential for Protecting Your Assets
If you were found negligent or liable for someone else’s bodily injury or death, would you have enough insurance to protect your assets?
Umbrella insurance is a stand-alone liability policy that provides an additional limit of liability over and above your underlying liability limits that are already on your homeowners and auto insurance policies.
Life can be unpredictable, and as much as we plan for the best, sometimes the worst can happen. This is where umbrella insurance comes into play and provides you with additional coverage that goes above and beyond to protect your assets.
One Accident Can Cost You Everything
Medical bills and liability claims can skyrocket, leaving you financially exposed if your coverage isn’t enough. That’s why umbrella insurance is essential—just one accident could otherwise put your finances at risk.
Getting started is easy: call our office or visit our quotes page, and our team will shop over 50 insurers to find the best coverage for you.
Most carriers require an active auto or home policy to qualify, but stand-alone umbrella policies are available for special situations. Protect yourself today—don’t wait until it’s too late.
What Does Umbrella Insurance Cover?
Umbrella insurance provides an extra layer of liability protection beyond your standard auto, home, or renters policies. It helps cover costs when damages or claims exceed your existing limits. Typical coverage includes:
- Bodily Injury Liability: Covers injuries to others if you’re at fault in an accident.
- Property Damage Liability: Pays for damage you cause to someone else’s property.
- Personal Liability: Protects against lawsuits for libel, slander, or defamation.
- Legal Fees: Covers attorney fees and court costs, even if you’re not at fault.
- Worldwide Coverage: Many policies extend protection outside the U.S.
Umbrella insurance ensures you’re financially protected from large claims that could otherwise devastate your savings.
Real-Life Example: How Umbrella Insurance Protects You
Umbrella insurance kicks in when your standard coverage isn’t enough.
Example: You’re responsible for a car accident with $850,000 in damages, but your auto policy covers only $300,000. Without umbrella insurance, you’d pay $550,000 out of pocket. With an umbrella policy, you’re protected up to your chosen limit—often $1 million or more.
Other common scenarios:
- Your dog bites a neighbor’s child
- Fire spreads from your condo to other units
- Accidents at your rental property
Umbrella insurance gives you peace of mind against costly, unexpected events.
How Much Does Umbrella Insurance Cost?
One of the biggest benefits of umbrella insurance is its affordability—it’s often a no-brainer. Many providers offer coverage starting around $150 per year, making it a small cost for huge protection.
The price can increase slightly depending on how many homes or vehicles you want covered, but even at $300 per year, the insurer assumes $1 million or more in liability. That’s incredible value, especially in today’s litigious world. With umbrella insurance, you transfer the risk to the insurance company while keeping your financial security intact.
What Our Customers Say
With unwavering dedication and a commitment to excellence, we are proudly trusted by over 13,000 clients who rely on G&G Insurance for their coverage needs.
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Mr John Rogers was very thorough to help review our current personal lines policies, remarket them and present comparative proposals. In our situation he was not only able to significantly... read more
Dabney S.
April 5, 2026John Rogers was kind, considerate, professional and thorough. The transition to G & G Was seemless!
Kandi S.
April 2, 2026I just want to give a HUGE shout out to Jolyn Brock for helping me get a new policy on my ford bronco! She was a pleasure to work with... read more
Natalie S.
April 1, 2026 -
Micah Gay shopped around and got us huge discounts in under 10 minutes. He made it so easy!!
Kailey T.
March 30, 2026Very easy to communicate with as they have reached out, the process can be as simple and confirming information
Seth C.
March 26, 2026Quick. Attentive. Knowledgeable. Micah is saving me hundreds each month. Now more than ever that savings makes a difference! Give em a call today. Ask for Micah and tell... read more
Cassie M.
March 25, 2026 -
Micah was a huge helping hand when it came to helping me figure out my situation and I really appreciated it!
Chris J.
March 24, 2026Micah was absolutely incredible to work with while I was navigating buying my first home. I had a lot of questions and honestly felt a little overwhelmed at times, but... read more
Grace S.
March 23, 2026Tyler went above and beyond 10x to find us the best coverage!
Amy
March 21, 2026 -
I was in a time crunch sitting at the car lot needing insurance late afternoon on a Friday and Payton helped me get coverage quickly and efficiently! She went above... read more
Lyndie M.
March 16, 2026Very easy to work with and quick!
Layne T.
March 13, 2026Very easy and very honest. Great prices
Micah J.
March 11, 2026 -
John provided an excellent service and found us the best homeowner’s insurance rate. Not only did he dedicate his time to ensuring we received the best coverage to fit our... read more
Shawn D.
March 11, 2026Micah Gay helped my partner and I navigate our first Home Insurance, and helped us save a ton compared to the Big Names with an auto and home bundle. Super... read more
Nick F.
March 10, 2026John was great to work with and answered all my questions and had helpful feedback!
Kaitlyn M.
March 4, 2026 -
G&G was fantastic to work with. Payton was a joy to speak with and answered all our questions (no matter how stupid)! Would definitely recommend and use again!
Chris D.
March 3, 2026Great experience. I dislike sales people and dislike being "sold to" even more. John did a great job, listened to what I wanted and did the extra work to make... read more
Bill P.
March 2, 2026We had a great experience with this insurance company, especially working with Terry! The process was incredibly easy from start to finish. Terry explained everything clearly, answered all of our... read more
Paulina T.
January 15, 2026
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Micah is beyond stellar. I cannot ask for anyone more professional, effective, and honest. Keep it up!
The M.
November 19, 2025 -
Tyler went above and beyond 10x to find us the best coverage!
Amy
March 21, 2026 -
John was great to work with and answered all my questions and had helpful feedback!
Kaitlyn M.
March 4, 2026 -
We have finally stepped out of our comfort zone of having the same insurance company over 30 years, and just excepting our premiums going up. We were paying double the... read more
Brenda N.
November 25, 2025 -
Micah was a huge helping hand when it came to helping me figure out my situation and I really appreciated it!
Chris J.
March 24, 2026 -
Great experience. I dislike sales people and dislike being "sold to" even more. John did a great job, listened to what I wanted and did the extra work to make... read more
Bill P.
March 2, 2026 -
We connected with Terry at G&G Insurance about 6-7 months ago regarding some auto insurance. He was fantastic. He was able to get us a great plan for our Jeep.... read more
Lyle G.
December 11, 2025 -
I recently learned the insurance carrier I'd had my home and auto policies with for years was pulling out of Arkansas and that my coverage would end soon. My search... read more
Bill P.
November 26, 2025 -
John Rogers with G&G was professional and prompt throughout the process. He made it easy and painless.
Grant J.
December 4, 2025 -
G&G was fantastic to work with. Payton was a joy to speak with and answered all our questions (no matter how stupid)! Would definitely recommend and use again!
Chris D.
March 3, 2026
What Factors Affect Umbrella Insurance Premiums?
Umbrella insurance costs vary based on several key factors. Knowing what impacts your premium can help you get the right coverage at the best price:
Underlying Policies
Assets and Net Worth
Risk Profile
Location
Number of Properties or Vehicles
Curious about your rates?
G&G Insurance can help you find a quote in no time!
Why Choose G&G Insurance
Protect what matters most. Here’s how G&G makes it simple:
Our experienced insurance agents simplify the process and provide advice you can trust.
Fast, friendly service with no pressure—protecting your assets locally or anywhere in the country.
Get Your Free Stand Alone Umbrella Insurance Quote Today
Don’t leave your financial security to chance. Get an umbrella insurance policy that covers what matters most—fast, simple, and tailored to you.
Request Your Free Quote Now – Compare coverage from 50+ top insurance providers with just one quick form. No obligation, no hassle.
Umbrella Insurance FAQs
Q: What is umbrella insurance?
Q: Who needs umbrella insurance?
Q: How much coverage does an umbrella policy provide?
Q: Does umbrella insurance cover legal fees?
Q: Can I bundle umbrella insurance with other policies?
How to Get Umbrella Insurance
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Online Form: Fill out a simple form on our website anytime—fast and convenient.
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Our team is here to guide you every step of the way with no pressure—just honest advice and personalized support.