Umbrella insurance Pittsburgh families use for added liability protection

Extra liability coverage when your primary policy reaches its limit

Accidents can happen even when you carry auto and homeowners insurance. If a claim exceeds the liability limits of those policies, you may be responsible for the remaining costs. Umbrella insurance provides an additional layer of liability protection that can help protect your assets and future earnings.


Insurance Consultants Of Pittsburgh helps individuals and families throughout Pittsburgh compare umbrella insurance policies from multiple insurance companies. Whether you're protecting your home, vehicles, savings, or future income, our team can help determine whether an umbrella policy makes sense for your situation.


If you're ready to explore additional liability protection, you can compare umbrella insurance quotes with guidance from a local advisor.

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What does umbrella insurance cover?

Umbrella insurance is designed to provide additional liability coverage after the limits of certain underlying insurance policies have been exhausted.

Depending on your policy, umbrella insurance may help provide additional protection for:

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Bodily injury liability

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Property damage liability

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Legal defense costs

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Personal injury claims such as libel or slander

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Certain lawsuits that exceed underlying policy limits

Coverage varies by insurance company and policy, so Insurance Consultants Of Pittsburgh helps clients understand how different policies compare before making a decision.


If you would like to review your existing home insurance Pittsburgh coverage first, our advisors can help identify whether additional liability protection may be appropriate.

Who should consider umbrella insurance?

Umbrella insurance is often recommended for individuals with higher liability exposure or valuable assets they want to help protect.


Many policyholders consider umbrella insurance if they:

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Own a home

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Have teenage drivers

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Own multiple vehicles

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Have rental properties

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Coach youth sports or volunteer

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Frequently entertain guests

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Own recreational vehicles or boats

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Have significant savings or investments

Insurance Consultants Of Pittsburgh works with clients throughout Pittsburgh to evaluate liability risks and determine whether umbrella coverage fits their overall insurance strategy.


If you are reviewing your household coverage, exploring personal insurance Pittsburgh solutions can help ensure your policies work together.

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Why compare umbrella insurance through an independent agency?

Every insurance company approaches umbrella coverage differently. Liability limits, eligibility requirements, and underlying policy requirements may vary between carriers.

As an independent insurance agency, Insurance Consultants Of Pittsburgh compares umbrella insurance from multiple insurance companies so you can:

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Compare pricing

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Review available liability limits

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Understand policy requirements

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Coordinate umbrella coverage with existing policies

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Receive guidance from one local advisor

Our team has been serving Pittsburgh families since 1987 and continues helping clients review coverage as life changes.


If you'd like to discuss your current insurance program, you can contact our insurance advisors today.

Frequently asked questions about umbrella insurance

  • What is umbrella insurance?

    Umbrella insurance provides additional liability protection after the liability limits of eligible underlying insurance policies have been reached.

  • Do I need umbrella insurance if I already have homeowners insurance?

    Homeowners insurance includes liability coverage, but umbrella insurance can provide additional limits if a covered claim exceeds those amounts.

  • Does umbrella insurance cover auto accidents?

    It may provide additional liability protection after the liability limits on your auto insurance policy have been exhausted, subject to policy terms.

  • How much umbrella insurance should I carry?

    Coverage needs vary based on your assets, financial goals, and potential liability exposure. Insurance Consultants Of Pittsburgh can help you compare available options.

  • Can I compare umbrella insurance from multiple companies?

    Yes. As an independent insurance agency, Insurance Consultants Of Pittsburgh helps clients compare umbrella insurance policies from multiple carriers.