Umbrella Insurance NJ
Protect your assets, income, and future with affordable umbrella insurance from Stanton Insurance Group. Umbrella insurance provides an extra layer of liability protection beyond the limits of your auto, home, or renters insurance, so you’re covered when the unexpected happens.
Why Choose Stanton Insurance Group for Umbrella Insurance in NJ?
At Stanton Insurance Group (SIG), we’ve been protecting families for over 30 years. As a family-owned, independent insurance agency, we partner with 50+ top carriers to find the right personal umbrella policy for your needs and budget.
- Local expertise with personalized guidance
- Competitive rates from multiple carriers
- One-on-one support from a family-owned team
- Simple policy management and bundling options
With SIG, you’ll get the right coverage at the right price and peace of mind knowing your future is protected.
Save More by Bundling Your Coverage
Umbrella insurance is most effective when paired with your home, renters, or auto insurance policies. Bundling not only maximizes your liability protection but can also lower your premiums and simplify your insurance management. One provider, one bill, more savings.
What Does Personal Umbrella Insurance Cover?
Bodily Injury Liability
Bodily injury liability covers medical expenses and legal damages if you’re found responsible for someone else’s injuries. Examples include:
- A serious auto accident where you’re at fault
- A guest falling on your property
- Your dog biting a neighbor
- A neighbor’s child getting hurt while playing in your yard
Questions?
Contact an insurance agent at Stanton Insurance Group today to answer any of your questions or for a free review and quote.
Umbrella Insurance FAQs
Umbrella insurance is extra liability protection that extends beyond your home and auto policies, covering lawsuits, injuries, and property damage claims.
When you reach your policy limit on an auto or home claim, umbrella insurance kicks in to cover the remaining balance, up to your umbrella policy limit.
Example: If you cause a car accident resulting in $500,000 in injuries and your auto policy only covers $300,000, your umbrella policy would step in to cover the remaining $200,000, up to your policy limit.
Most experts recommend an umbrella policy limit that matches or exceeds your total net worth. To determine how much coverage you need:
- Add up your assets (cash, investments, property, etc.).
- Consider risk factors like teenage drivers, rental properties, or frequent hosting.
Consult an SIG agent to find the right protection level for your household.
Homeowners, landlords, or anyone with significant assets, high income, or higher liability risks like teen drivers, pets, or pools.
Typically between $200 and $400 per year for $1 million in coverage.
A separate policy for businesses that extends liability limits on commercial coverage.
Umbrella insurance doesn’t cover:
- Your own injuries or property damage
- Business-related liability (see Commercial Umbrella Insurance for that)
- Intentional or criminal acts
- Liabilities you assume under a contract