Most people assume that their auto or homeowners policy is enough to cover them in case of an accident. But what happens when it’s not?
That’s where umbrella insurance comes in. And the best part?
A policy that gives you an extra $1 million in protection can cost as little as $12 to $20 per month.
Click here to request a free umbrella policy review »
Or call (615) 230-7704 and ask for a no-pressure umbrella insurance quote.
What Is Umbrella Insurance?
Umbrella insurance is extra liability coverage that kicks in after the limits of your home, auto, or renters insurance have been exhausted.
Think of it like a financial safety net.
What Does It Cover?
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Serious auto accidents where damages exceed your auto policy limits
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Accidents on your property (e.g., someone slips on your icy driveway)
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Lawsuits involving libel, slander, or false arrest
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Injuries caused by your dog
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Rental property liabilities
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Legal fees and defense costs
Real-World Example
Let’s say you’re at fault in a multi-car accident.
Your auto policy covers up to $250,000, but the injuries and vehicle damage total $800,000.
Without umbrella insurance, you could be responsible for the $550,000 difference paid from your savings, retirement, or even through wage garnishment.
With umbrella coverage?
It steps in and covers the rest.
Who Needs Umbrella Insurance?
You don’t need to be wealthy to need an umbrella policy. You may want one if you:
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Own a home, boat, or rental property
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Have teenage drivers on your policy
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Host guests frequently
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Own a dog
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Have savings or retirement accounts to protect
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Want peace of mind in a litigious world
How Much Does It Cost?
In Tennessee, most $1 million umbrella policies cost between $150–$300 per year.
That’s about $15/month or less for a huge leap in protection.
Why It’s a Smart Add-On
Umbrella insurance is one of the best values in the entire industry. For the cost of one streaming subscription, you can protect your:
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Home equity
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Retirement accounts
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Future earnings
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Peace of mind
And if you bundle it with your home and auto, you may qualify for additional discounts.
Is It Right for You? Let’s Find Out.
At Holt Insurance, we’ll help you:
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Understand your current liability limits
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Review where you’re exposed
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Shop multiple carriers to get you the best deal on umbrella coverage
Click here to request a free umbrella policy review »
Or call (615) 230-7704 and ask for a no-pressure umbrella insurance quote.
About Holt Insurance TN
Proudly protecting families across Gallatin and Middle Tennessee since 1881. We’re here to make insurance make sense and make sure you’re covered where it counts.
Have a question on this topic?
Call 615-230-7704— we answer.