Umbrella Insurance in Washington

Extra Liability Protection for When the Unexpected Goes Too Far

Sometimes, standard insurance isn’t enough. If you're involved in a major accident or lawsuit, your home or auto policy might not fully cover the damages. That’s where umbrella insurance steps in—adding a safety net of extra liability protection.



At Strategy Insurance Brokers LLC, we help Washington families and individuals secure affordable umbrella coverage that adds peace of mind to every policy they carry.

What Does Umbrella Insurance Cover?

An umbrella policy provides extended liability protection above and beyond your existing coverage. It may include:

Excess Liability

Adds $1 million or more in liability coverage once your underlying home, auto, or renters policy limit is exhausted.

Legal Defense Costs

Covers attorney fees and court costs associated with lawsuits—on top of your regular coverage.

Personal Injury Protection

May include protection for libel, slander, defamation, or false arrest—claims often excluded from standard policies.

Worldwide Coverage

Protection often follows you anywhere, even if an incident happens while traveling abroad.

Who Needs Umbrella Insurance?

You don’t need to be wealthy to benefit from umbrella coverage. It’s an affordable option for anyone who wants extra protection, especially those who:


  • Own property or multiple vehicles
  • Have a teenage or high-risk driver
  • Host guests frequently
  • Own a boat, RV, or recreational vehicles
  • Have significant savings or future income to protect
  • Serve on a board, coach sports, or have a public presence

Umbrella Insurance FAQs

  • How does umbrella insurance work?

    If you reach the liability limit on your home, auto, or renters policy, your umbrella coverage kicks in—picking up where the other policy leaves off.

  • Is umbrella insurance expensive?

    Not at all. Policies often start around $150–$300 per year for $1 million in coverage, making it one of the best value protections available.

  • Does umbrella insurance cover personal injury lawsuits?

    Yes—umbrella insurance can cover a wide range of personal liability claims, including slander, libel, and defamation, which aren’t typically covered by standard policies.

  • What underlying coverage do I need to qualify?

    Most insurers require a minimum amount of liability coverage on your home and auto policies before umbrella coverage can apply. We’ll make sure your base policies qualify.

  • Can an umbrella policy cover rental properties?

    Yes—umbrella insurance can extend liability protection to your rental or investment properties, which is especially valuable for landlords.

  • Can I get umbrella coverage without bundling all my insurance?

    You usually need your home and auto with the same provider to qualify for umbrella insurance. We’ll help structure your policies efficiently and cost-effectively.