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Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

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Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

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Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

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Life Insurance LIFE

Browse a variety of insurance options in order to find the right one for you.

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Flood Insurance FLOOD

Learn about different flood coverage options that fit your specific needs.

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Boat Insurance BOAT

Finding insurance doesn't have to be difficult. We do the work for you.

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What is an Umbrella Policy?

An umbrella provides extra liability protection over your other personal insurance policies. If a loss uses up the liability limit on your auto or home policy, an umbrella policy can step in to cover the extra loss amount up to your policy limit. An umbrella can also provide coverage for certain exposures that are not covered by your regular policies, such as worldwide auto liability coverage.

A basic umbrella policy provides $1 million in liability coverage. Additional limits may also be available – contact us for more details.

What can be covered?

A personal umbrella liability policy can provide excess coverage over many types of exposures. In addition to your car and home liability, an umbrella can cover liability for your boat, home business, rental properties, loss assessment for condo owners and more.

Why would you need umbrella coverage?

Say a neighbor slips and falls on your sidewalk and is injured – and then sues. The court awards $800,000 to the neighbor. The loss is covered by your homeowners insurance, but you only have $300,000 of liability coverage. You would be responsible for the additional $500,000.  But if you have a $1,000,000 umbrella policy, it would pay the additional $500,000.

Contact Us!

Illinois and Wisconsin residents, at R Hobbs Insurance Agency, we can work with you to make sure you've got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at (847) 680-0888 or send us a note at We want to help you meet your goals, and make sure what's important to you is protected!


Protect your financial future today by contacting us, R Hobbs Insurance Agency, at (847) 680-0888 or and asking about a personal umbrella liability policy.

NOTE: Coverages, discounts and eligibility may vary by state.



Posted 11:00 AM

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