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Personal Umbrella Insurance

Umbrella insurance adds extra liability protection when a major accident or lawsuit exceeds your home or auto policy limits, safeguarding your assets and future income. Policies typically start at $1M in additional coverage and can reach $5M+, and one policy can extend over both your home and auto.

What It Covers, Who Needs It, and How It Works

An umbrella policy extends your home and auto coverage — it doesn't replace it — and only activates once those primary limits are exhausted.

What It Covers

Liability above your underlying limits, serious auto accidents, incidents at home, certain personal injury claims, and legal defense costs. Terms vary by carrier.

Who It's For

Homeowners, drivers with teen drivers or long commutes, professionals with significant income or savings, and frequent hosts.

How It Works

Your home or auto policy pays first. When those limits are reached, the umbrella pays eligible remaining amounts.

How Gateway Mavrix Helps

We review your existing policies, identify coverage gaps, and determine whether umbrella coverage fits your needs and budget.

Your gateway to better coverage.

An independent agency operating within the Mavrix Insurance Services network.

Contact

Phone: 636.277.5149

Email: mikeb@mavrixins.com

Office Hours: Mon–Fri, 8:30AM–4:30PM

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© 2026 Gateway Mavrix Insurance Services. All rights reserved.

Gateway Mavrix Insurance Services is an independent insurance agency. Coverage availability and terms vary by state and carrier. This website is for informational purposes only and does not constitute a binding insurance contract or guarantee of coverage.