Extra Protection for When the Unexpected Exceeds Your Policy Limits
A personal umbrella policy gives North Carolina families an additional layer of liability coverage above their auto and homeowners policies — for a fraction of what most people expect it to cost.
What it covers
A personal umbrella policy provides excess liability coverage above the limits of your underlying auto, homeowners, and other personal lines policies. It typically covers:
- Excess auto liability — pays above your auto policy limits if you cause a serious accident with significant injuries or property damage
- Excess homeowners liability — covers claims above your homeowners policy limits for incidents on your property
- Personal injury claims — covers libel, slander, false arrest, and invasion of privacy claims not covered by standard policies
- Worldwide coverage — most umbrella policies extend protection beyond North Carolina and the United States
- Legal defense costs — pays attorney fees and court costs for covered claims, even when the underlying policy limits are exhausted
- Rental property liability — many umbrella policies extend to liability arising from rental properties you own
Who it's for
A personal umbrella policy is one of the most cost-effective ways to protect your assets. It's especially valuable for:
- 1North Carolina homeowners and families with significant assets — savings, investments, home equity — that could be at risk in a serious liability claim
- 2Drivers who spend significant time on the road, including commuters in the Greensboro, Winston-Salem, and High Point corridor
- 3Parents of teenage drivers, whose auto liability exposure increases significantly when a new driver joins the household
- 4Anyone who wants peace of mind knowing that a single accident won't threaten everything they've worked to build
Why work with Providence
As a Greensboro-based independent brokerage, we're not tied to any single carrier. That means we work for you — not the insurance company.
Local, carrier-agnostic advice
We know the North Carolina personal lines market and compare umbrella options across multiple carriers to find the right coverage and price for your household.
Coordinated personal lines review
An umbrella policy only works well when it's properly layered with your auto and homeowners coverage. We review your full personal lines program to make sure there are no gaps.
Straightforward explanation
Most people don't fully understand what their umbrella policy covers — and doesn't cover. We explain it clearly so you know exactly what you have.
Relationship-driven service
We're based in Greensboro and serve the Piedmont Triad. You'll work with the same advisors year over year — not a call center.
Common questions
Most personal umbrella policies providing $1 million in additional coverage cost between $150 and $300 per year, depending on your underlying policies, driving record, and other factors. It's one of the most affordable ways to significantly increase your liability protection.
Possibly not — but it depends on your total asset exposure. If a serious claim exceeds your underlying limits, your personal assets are at risk. We'll help you evaluate whether your current limits are adequate or whether an umbrella makes sense.
Umbrella policies typically exclude intentional acts, business-related liability, and certain professional liability claims. They also don't cover your own property damage or injuries. We'll walk you through the exclusions so there are no surprises.
Yes, though some carriers prefer to write umbrella policies alongside the underlying coverage. As an independent broker, we can find umbrella options that work with your existing policies regardless of carrier.
A million dollars of extra protection costs less than you think.
We serve North Carolina families. Let's make sure your personal lines program is complete.