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 insurance 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 insurance or home insurance 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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I just signed up for home and auto insurance with Heather. I don't believe I have ever spoken with an insurance agent with better product knowledgeability than she! She answered... read more
Richard B.
September 10, 2026Paul is Great! He listens to you and helps you get the right coverage for your home and auto
Michael B.
September 9, 2026She was great
Barbara P.
September 4, 2026 -
Blake with G and G took time to specifically address our needs and find the exact coverage we needed while saving us thousands per year over our last insurers. He... read more
Justin M.
September 2, 2026Had a great experience saved time and money and being able to text was very convenient
Todd H.
September 2, 2026Blake was personable, informative, and hard-working. 10/10 would recommend to anyone who needs help finding insurance that meets their needs and budget!!!
Jordan L.
September 2, 2026 -
Blake was great. Saved me money and did all of the legwork to make it happen.
Chris B.
September 1, 2026Angela was very helpful, answered my many questions and got us the increased coverage that we needed and still saved us money. This was a great experience.
Susan S.
August 31, 2026Found this company after looking for recommendations by Dave Ramsey as I was so upset with State Farm and wanted someone that would be personable. I found on my home... read more
Teresa O.
August 29, 2026 -
Micah was super helpful, he made getting insurance quotes quick, and painless. And got me all set up in no time and is saving me over 2k per year +... read more
Tyler H.
August 28, 2026Micah was great and easy to work with!
John S.
August 28, 2026Blake Webb with G&G Independent Insurance in Fayetteville was very knowledgeable, attentive and efficient with getting back to me on auto and homeowners coverage. He was able to set up... read more
Kay P.
August 28, 2026 -
Micah helped me find a great insurance plan that suits my unique needs. Throughout the whole process, he has been a consummate professional and a delight to work with. I highly... read more
Devin N.
August 28, 2026Micah's service is truly deserving of 5 stars!
Curt S.
August 27, 2026I’ve had the pleasure of working with John Roger’s and his team recently and they have exceeded my expectations. They are full service and have outstanding follow up. They put... read more
Greg M.
August 27, 2026 -
Kristina worked hard to find me even better coverage and saved me over $1500 a year. Highly recommend.
Bo P.
August 26, 2026Paul was very helpful. He took the time to go over policys and discuss to make sure we where well informed. I recommend him
Paul M.
August 20, 2026Gigi was fantastic. Super patient and saved me a TON on my auto insurance! I literally questioned the accuracy of the numbers because they sounded too good to be true!
Anthony V.
August 18, 2026
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Kristina was very helpful, competent & patient in walking us through the process of getting our insurance. After doing her research she got us a great deal with a... read more
Lynn B.
July 27, 2026 -
Micah was super helpful, he made getting insurance quotes quick, and painless. And got me all set up in no time and is saving me over 2k per year +... read more
August 28, 2026 -
Micah was my quoting agent and made it the best and easiest process I’ve ever had!
Brittany K.
November 21, 2025 -
Kristina was quick to respond to my request for new auto and home insurance. She was able to save me money, give me better coverage than before. She is... read more
Richard R.
August 5, 2026 -
John was great to work with and answered all my questions and had helpful feedback!
Kaitlyn M.
March 4, 2026 -
Gigi was fantastic. Super patient and saved me a TON on my auto insurance! I literally questioned the accuracy of the numbers because they sounded too good to be true!
August 18, 2026 -
Blake Webb with G&G Independent Insurance in Fayetteville was very knowledgeable, attentive and efficient with getting back to me on auto and homeowners coverage. He was able to set up... read more
August 28, 2026 -
Micah is beyond stellar. I cannot ask for anyone more professional, effective, and honest. Keep it up!
The M.
November 19, 2025 -
They do not provide as good of service as they used to when they were first starting out.
Scott B.
February 28, 2026 -
Worked with John on Commercial policy excellent customer service
kelly D.
December 22, 2025
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.