Umbrella Insurance for the Unexpected

Because Sometimes, the Unexpected Comes Big

Most people don’t expect to be sued—and no one expects a claim that exceeds their coverage. But when accidents happen, umbrella insurance gives you an extra layer of protection that steps in after your home, auto, or other policy limits are reached.



At Dwyer Insurance, we make it simple to safeguard your savings and peace of mind. Whether you’re a business owner, landlord, or parent of teen drivers, umbrella coverage helps ensure one incident doesn’t rewrite your future.

Beyond the Basics

When your base policy taps out, umbrella kicks in.

5 Situations Where Umbrella Insurance Shines:

Major Car Accidents

Injuries and lawsuits can exceed your auto policy. Umbrella helps cover the rest.

Home Accidents with High Medical Claims

If someone’s badly injured on your property, umbrella fills in when homeowners runs out.

Lawsuits for Defamation or Libel

Social media posts and public statements can carry unexpected legal risk.

Rental Property Claims

Landlords often carry extra risk—umbrella adds essential backup.

High Net-Worth Risk Protection

If you have assets worth protecting, umbrella is a small price for big protection.

One policy. Broad protection. Peace of mind.

Covers what your base policies can’t.

Common Umbrella Coverage

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Excess bodily injury liability

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Property damage liability

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Legal defense fees

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Personal liability worldwide

Optional Add-Ons & Extensions

Extra protection where life requires it.

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Coverage for vacation or rental properties

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International travel liability

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Coverage for teen or high-risk drivers

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Business-related personal exposure

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Get in touch with us for more answers!

Frequently Asked Questions

  • Is umbrella insurance only for the wealthy?

    No, umbrella insurance is affordable and beneficial for anyone who wants extra liability protection beyond their home, auto, or renters policy—especially if you have assets, savings, or future income to protect.

  • What’s the minimum I need before I can add umbrella coverage?

    Most insurers require you to carry minimum liability limits on your underlying policies—typically $250,000/$500,000 for auto insurance and $300,000 for homeowners or renters liability—before adding umbrella coverage.

  • Can I use umbrella coverage if I’m sued for slander or defamation?

    Yes, most umbrella policies include personal injury liability like slander, libel, and false arrest.

Jacksonvill, Florida

What We’ll Ask for Your Quote

A short checklist helps us get the right fit.

Auto and home liability limits

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Risk exposure (e.g. rentals, public roles)

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Number of properties and vehicles

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Estimate of net worth or future income

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