Personal Umbrella Insurance for Extra Protection in Wisconsin

If a serious accident or lawsuit goes beyond your home or auto insurance limits, umbrella insurance can step in to help cover the rest. In Wisconsin, where legal costs and damage awards are on the rise, a personal umbrella policy gives you peace of mind — without breaking the bank.



From Brookfield to Milwaukee and everywhere in between, we help families and individuals protect what they’ve built with this powerful layer of extra liability coverage.

What Is Umbrella Insurance?

Umbrella insurance is extra liability protection that kicks in when the limits of your auto, homeowners, or other underlying policies are exhausted. It doesn’t cover property — it covers people, lawsuits, and responsibility for damage or injuries you may be legally liable for.


Example:

 You’re involved in a serious auto accident that causes injuries to multiple people. Your auto policy covers up to $250,000 per person. But the medical bills and legal judgment total $900,000. That $650,000 gap could come out of your savings, your assets — or your future earnings.


Unless you have umbrella insurance. A $1 million umbrella policy would cover the difference.

A man holding an umbrella while walking with a child

Why Wisconsin Residents Choose Umbrella Coverage

Even in smaller towns or lower-risk lifestyles, one big accident can turn into a financial crisis. And in high-traffic areas like downtown Milwaukee or on I-94 near Brookfield, the risk of costly claims is higher than ever.



A personal umbrella policy typically offers:

  • $1–5 million in additional liability protection
  • Legal defense costs (even if the lawsuit is groundless)
  • Peace of mind for less than $20/month in many cases
  • Coverage that extends over [auto], [homeowners], [boat], [rental property], and more

Who Should Consider Umbrella Insurance?

Umbrella insurance isn’t just for the wealthy. It’s for anyone who wants to avoid life-altering financial risk. You may want to consider a personal umbrella if you:

  • Own a home or rental property
  • Have teenage drivers in the household
  • Own a dog, trampoline, or swimming pool
  • Frequently host guests at your home
  • Have savings, retirement accounts, or investments to protect
  • Are active online (consider liability from defamation or libel claims)
  • Want peace of mind knowing you’re protected from unexpected legal costs

Even “average” families can be sued for hundreds of thousands of dollars after an accident. A personal umbrella gives you room to breathe when your standard coverage hits its limit.

How Much Umbrella Coverage Do I Need?

We’ll walk through your situation and help you decide — but many people start with $1 million in coverage. If you own multiple properties, high-value assets, or have significant income, you may want to consider more.

We compare multiple carriers at once — saving you time, hassle, and money.

Bundling Makes It Easy

To qualify for umbrella insurance, you usually need to carry certain limits on your underlying policies. We can help you coordinate your [auto insurance], [homeowners insurance], and umbrella policy with the same carrier to make sure everything works together — and to maximize any available discounts.

FAQs About Umbrella Policies

  • Does umbrella insurance cover legal defense costs?

    Yes — it typically covers attorney fees and court costs, even if the claim is false or doesn’t result in a payout. That alone can be worth it.

  • Will umbrella insurance cover a claim that my base policy doesn’t?

    Usually, no. Umbrella coverage “sits on top of” your existing liability limits. You’ll need to carry certain underlying limits on auto and home policies before an umbrella will respond.

  • Can I get umbrella insurance if I only have auto insurance?

    In most cases, you’ll need to have both home and auto insured with the same carrier and meet specific liability minimums. If you’re a renter, you can often use your [renters insurance] in place of homeowners for qualification.

  • Does it cover me if I’m sued personally?

    Yes — a personal umbrella covers liability claims against you or members of your household, including lawsuits resulting from accidents, injuries, property damage, or even personal slander and defamation in some cases.

  • What if I own a boat or vacation rental?

    An umbrella can extend over those too — as long as the base policies are in place. We’ll make sure your policies are coordinated correctly.

Get a Quote for Personal Umbrella Insurance

We’ll help you understand the limits you have — and the risks you may not be thinking about. Our team can explain umbrella coverage in plain English and quote multiple carriers so you can choose the protection that works for you.



And remember — when you request a quote, we’ll send you a $25 gas card just for giving us the opportunity to help.