Personal Umbrella Insurance

Personal Umbrella Insurance was created to protect yourself from a scenario where your regular insurance coverage isn’t enough. An umbrella policy provides liability coverage over and above your standard auto insurance or homeowners insurance policies. It offers protection for you and your family against large liability claims or judgments. An umbrella policy is a valuable addition to any auto, homeowners or other policy for extended personal liability protection.

Why Do I Need Personal Umbrella Insurance?

There are countless such scenarios, but here are several common ones to consider:

• Your dog bites a neighbor’s child.
• You are threatened with a lawsuit for something you or your child posted online or in social media.
• While driving, you or a family member strike and severely injure or kill a pedestrian.
• An accident on your swing set causes serious injuries.
• A guest has an accident around your pool that requires surgery.
• You’re burning leaves and cause a fire that damages neighborhood homes.
• You accidentally crash your boat into another boat.
• Your teen driver accidentally hits a pedestrian.
• A broken step causes your babysitter or a guest to have an accident.

Who is Covered by my Personal Umbrella Insurance Policy?

• You
• Your Spouse
• Any Person Named on the Policy Declaration
• Any Relative or Dependent Living With You
• Your Legal Representative, if you die

Personal umbrella policies are available in million-dollar increments from $1 million to $5 million. An appointed agent at Nevada Insurance Solutions can give you more information about a personal umbrella insurance policy so you can make an educated decision about the coverage levels you want.

For more information about personal umbrella insurance, call our office at (702) 330-3337, or send us an email at

Frequently Asked Questions

Yes, umbrella insurance is available for rental cars. If you are in an accident and a claim exceeds the limit of your primary insurance policies, you will be covered with an umbrella policy (up to your policy limit). You may consider an umbrella policy if you want to ensure you’re fully covered in an unpredictable situation.

Umbrella insurance in Nevada is provided for you right here! At Nevada Insurance Solutions, we pride ourselves in finding you the best coverage at the most affordable rate. We will quote you with various insurance carriers to ensure you’re receiving the most competitive price.

Yes. Umbrella insurance in Nevada will pick up where your general liability limits end. If your claim exceeds your policy limits, the umbrella policy will swoop in to cover the rest.

For example, you are walking your dog and he bites your neighbor. Your neighbor is furious with you and files a lawsuit demanding that you pay for his hospital bills. However, your liability insurance is just not enough to cover the medical bills. This is where the umbrella insurance comes into play. Your umbrella policy will provide you with that additional cushion, providing you with the income you need in order to pay off the medical bills.