Coverage
Umbrella Insurance
Extra liability protection that sits on top of your auto, home, and other policies.
A single serious accident can generate a liability judgment that exceeds the limits of your auto or home insurance policy. Personal umbrella insurance provides an additional layer of liability protection — stepping in when your underlying policy limits are exhausted. It's one of the most affordable coverages available and one of the most commonly overlooked. At Borgman Agency, we make sure our clients don't leave this gap in their protection.
What Is Umbrella Insurance?
A personal umbrella policy provides additional liability coverage above and beyond the limits on your existing auto, home, motorcycle, RV, or other underlying policies. When a covered liability situation exceeds what your primary policy covers, your umbrella policy takes over — typically providing $1 million to $5 million in additional coverage. Policy terms, covered situations, and exclusions vary by carrier.
What Does Umbrella Insurance Cover?
- Excess liability from at-fault auto accidents, above your auto policy's limits
- Excess liability from injuries that occur on your property, above your home policy's limits
- Dog bite liability (coverage and breed restrictions vary by carrier — umbrella may fill gaps)
- Landlord liability for rental property incidents
- Certain personal liability situations — such as defamation or invasion of privacy — that may not be covered by your home policy
- Legal defense costs, which can be substantial even when you ultimately prevail
- Coverage typically extends to you, your spouse, and household family members
- Coverage is generally worldwide — not limited to Idaho
Who Needs Umbrella Insurance in Idaho?
Umbrella coverage is particularly worth considering if you:
- Own a home or rental property
- Have a pool, trampoline, or dog
- Drive regularly or have teenage drivers in the household
- Own recreational vehicles, motorcycles, or watercraft
- Have assets or future earnings you want to protect
- Are an active outdoors person — Idaho's hiking, skiing, and off-road culture creates real liability exposure
How Much Does Umbrella Insurance Cost?
Personal umbrella policies are generally among the most affordable forms of liability coverage relative to the protection they provide. The exact cost depends on your underlying policies and risk profile — we'll provide an accurate quote based on your specific situation. Most carriers require minimum underlying liability limits before issuing an umbrella — we'll make sure your whole picture is set up correctly.
Carriers we use for this line
Frequently Asked Questions
A common starting point is coverage that matches or exceeds your total net worth — including home equity, savings, and investments. But the right amount also considers your income and future earning potential, since judgments can extend to future wages. We'll look at your complete picture and make a specific recommendation.
Personal umbrella policies are designed for personal liability situations — they generally do not extend to business activities. If you own a business, you need a commercial umbrella or excess liability policy. We write both and can quote them together.
No. Even if your current assets are modest, a judgment against you can attach to future income. Courts can pursue wage garnishment for years. Umbrella insurance protects not just what you have today, but what you'll earn in the future.
Most carriers require minimum underlying liability limits — typically 100/300/100 on your auto and a specified minimum on your home — before issuing an umbrella. If your current limits don't qualify, we'll adjust them as part of the same conversation and show you the combined cost.
Call us at (208) 501-8877. If you already have your policies with us, adding an umbrella is typically a straightforward process. If your existing coverage is with other carriers, we'll review your underlying limits to confirm eligibility and then quote the umbrella across our carriers.
Don't let one unexpected event undo everything you've built. Call Borgman Agency at (208) 501-8877 or request your free umbrella insurance quote online.