Umbrella Insurance
Umbrella Insurance – Extra Liability Protection in Tennessee
A simple accident can become a six-figure lawsuit faster than you’d expect. Whether you’re at fault in a serious car crash in Morristown or someone gets severely injured on your property in Bean Station, your standard home or auto policy might not be enough. That’s where
umbrella insurance in Tennessee comes in—giving you an extra layer of protection when the unexpected gets expensive.
Shield Your Assets with a Personal Umbrella Policy
An umbrella policy is excess liability insurance. It kicks in after your auto, home, or other personal policy reaches its limit—so you're not paying out of pocket for legal fees, medical bills, or damages that go beyond your existing coverage. It's how you protect your savings, your future earnings, and your peace of mind.
Even a small oversight—like your teen driver causing a serious accident or a guest tripping on your front steps—could lead to a lawsuit that exceeds the standard coverage on your base policies.
Umbrella insurance covers the difference.
How Umbrella Insurance Works
Think of it as financial backup. If your car insurance liability limit is $250,000 and you’re sued for $750,000, your umbrella policy could cover the remaining $500,000—so you’re not draining your retirement account or losing your home to pay the difference.
Umbrella coverage typically starts at $1 million, with options to go higher depending on your needs. It may also cover certain risks not included in your primary policies, like libel or slander claims, legal defense fees, or volunteer-related liability.
We’ll walk you through real-world scenarios so you understand exactly what’s covered.
Who Needs Umbrella Insurance in East Tennessee?
Umbrella insurance isn’t just for the wealthy—it’s for anyone with something to protect.
- Homeowners with equity
- Parents of teen drivers
- Boat or recreational vehicle owners
- Landlords with rental properties
- High-visibility professionals
- People with savings, retirement accounts, or future earning potential
In short: if a lawsuit could seriously impact your lifestyle, a
personal umbrella policy in TN is worth considering. And the good news? It’s typically very affordable—often just a few hundred dollars a year.
Making Sure Your Policies Work Together
Most insurers require certain minimum liability limits on your underlying home and auto policies before they'll issue an umbrella. For example, your auto policy may need to have at least $250,000/$500,000 liability, and your home policy at least $300,000.
We’ll review your current coverage, make sure it meets the requirements, and identify any gaps. Even if your auto and home insurance are with different companies, we can structure your umbrella so everything works together seamlessly.
Why East Tennessee Trusts Queener Insurance
At Queener Insurance, we don’t push one-size-fits-all coverage. As an independent agency, we work with multiple umbrella insurance carriers—including those with specialty programs for high-net-worth individuals, multi-property owners, or families with unique needs.
We’ll compare options, explain coverage clearly, and make sure your
excess liability insurance in Morristown or beyond is set up the right way. Our job is to protect what you’ve worked hard for—without overcomplicating it.
Get a Personal Umbrella Quote
If you’ve ever wondered whether your current liability limits are enough, let’s talk. We’ll explain how an umbrella policy would apply in your life, whether you need $1 million or more in coverage, and how little it might cost to give you real peace of mind.
Call now or request a personal umbrella quote online—and let’s build a smart layer of protection that fits your life and your budget.
How much does umbrella insurance cost?
It’s generally quite affordable. A $1 million personal umbrella policy can cost around $150-$300 per year in many cases, though it depends on number of homes, cars, drivers, toys (boats, etc.) you have. Each additional million in coverage often costs less than the first. We can give you an exact quote, but many clients are pleasantly surprised by the low cost for the peace of mind it provides.
Does an umbrella policy cover my business?
A personal umbrella covers personal liability scenarios. It can cover you for a wide range of incidents, but it will not cover business-related liability (you’d need a commercial umbrella for that). So if you run a business, the personal umbrella won’t extend to those activities. However, if you’re involved in a charity or on a board, personal umbrellas often cover volunteer liability. We’ll clarify what is and isn’t covered based on your lifestyle.
Can I get umbrella insurance if my auto and home policies aren’t with the same company?
Yes, you can. While some people have all policies with one company (which can simplify umbrella issuance), as an independent agent we can still get you an umbrella policy even if, say, your auto is with Progressive and home with Erie. We might place the umbrella with one of those or a third company that specializes in umbrella coverage. We’ll also make sure each underlying policy meets the required liability limits.
What are some examples of umbrella insurance claims?
Examples:
1) Serious auto accident – You’re at fault in a multi-car crash with severe injuries; medical bills and damages total $500k but your auto policy limits are $300k – umbrella covers the extra $200k.
2) House accident – A guest suffers a life-altering injury from a fall at your home, and the liability claim is $1 million; your home policy covers first $300k, umbrella covers the remaining $700k.
3) Lawsuit for libel – You post a negative review online and get sued for defamation with large legal costs; a personal umbrella often can cover defense costs in such cases. These scenarios show umbrellas protect against the unforeseen large incidents that could financially devastate someone.
If I have a rental property, do I need an umbrella?
We highly recommend it. Landlord-related liability (like a tenant or visitor injury at your rental) can lead to significant lawsuits. An umbrella would extend above your landlord insurance liability. Many rental property owners get umbrellas because of that extra exposure. It’s an economical way to protect your personal assets from anything that happens at the rental property once your primary landlord policy limits are exhausted.
