One Lawsuit Can Wipe Out Everything You've Built.

Your home and auto policies have liability limits. When a serious accident or lawsuit exceeds those limits, a personal umbrella policy steps in to protect your savings, your home, and your future earnings. It's the most affordable protection Missouri families consistently overlook.

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Extra Protection When You Need It Most

A personal umbrella policy adds $1 million or more in liability coverage on top of your existing home and auto policies — for about $200 per year. It's the most cost-effective coverage most Missouri families don't have.

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When Do You Need Umbrella Coverage?

Your home policy might have $300,000 in liability. Your auto might have $100,000 per person. That sounds like a lot — until a serious accident results in a $750,000 judgment against you. Medical bills, lost wages, and legal fees add up fast. An umbrella policy bridges that gap and protects everything you've worked for.

check_circleSerious auto accidents causing injury or death
check_circleGuest injuries on your property
check_circleDog bite liability claims
check_circleLibel, slander, or defamation claims
check_circleRental property liability

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$1 Million of Coverage for ~$200/Year

An umbrella policy is one of the best values in insurance. For less than the cost of a nice dinner out each month, you get $1 million in additional liability protection across all your covered policies.

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Protects Your Home Equity

If a lawsuit judgment exceeds your home policy limits, your home equity and savings are at risk. An umbrella policy shields those assets from being seized to satisfy a judgment.

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Covers Future Earnings Too

Without an umbrella, a large judgment can result in wage garnishment for years. Umbrella coverage protects not just what you have today but what you'll earn tomorrow.

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Legal Defense Coverage

Attorney fees alone can run $50,000–$200,000 in a serious liability case. Your umbrella policy covers legal defense costs in addition to any settlement or judgment.

Who Should Have Umbrella Insurance in Missouri?

If you own a home, have savings, or earn an income worth protecting — you need an umbrella policy. It's especially important if you have a pool, a trampoline, a dog, a teenage driver, or significant assets. The more you have to lose, the more an umbrella policy protects you.

$200AVERAGE ANNUAL COST

$1M+ADDITIONAL COVERAGE

call(636) 633-6881

mailcash@casheagency.com

location_on5 Tiffany Lynn Court, Wentzville MO 63385

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Umbrella Insurance FAQ

Do I need a home and auto policy to get umbrella insurance?expand_more

Yes — umbrella insurance requires underlying auto and homeowners (or renters) policies with minimum liability limits. Most carriers require at least $250,000–$300,000 in home liability and $100,000/$300,000 in auto liability before adding an umbrella. We can review your current policies and help you get set up.

How much umbrella coverage do I need in Missouri?expand_more

A common rule of thumb is to carry umbrella coverage equal to your net worth. Most Missouri families are well-served by $1–$2 million in umbrella coverage. If you own rental properties, have significant investments, or run a business from home, you may want $3–$5 million.

Does umbrella insurance cover my rental property?expand_more

Personal umbrella policies often extend to rental properties you own, but coverage varies by carrier. If you own rental property in Missouri, let's review your specific situation — you may need a commercial umbrella or landlord policy instead.

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Your Local Wentzville Insurance Agent

Serving all of St. Charles County and surrounding Missouri communities.

location_on5 Tiffany Lynn Court, Wentzville MO 63385

call(636) 633-6881

mailcash@casheagency.com

scheduleMon-Fri: 9:00 AM - 5:00 PM