Umbrella Insurance – Extra Liability Protection in Missouri
Shield Your Assets with Umbrella Insurance
Life is unpredictable. A single accident or lawsuit could exceed the limits of your home or auto policy — putting your savings, your property, and even your future earnings at risk. Umbrella insurance adds an extra layer of liability protection, stepping in when your standard policy maxes out.
At Antioch Insurance, we believe peace of mind shouldn’t cost a fortune. That’s why we help Kansas City families safeguard what they’ve worked hard to build with umbrella coverage tailored to their needs.
How Does Umbrella Insurance Work?
Think of umbrella coverage as a safety net for the unexpected.
Example:
You’re found at fault in a serious car accident, and damages total $1 million. If your auto policy covers $300,000, where does the other $700,000 come from? Without umbrella coverage, it comes out of your pocket. With umbrella coverage, your policy fills the gap — protecting your assets from devastating financial loss.
Umbrella policies also cover scenarios your home and auto policies may not, like libel, slander, or dog bite liability.
Who Should Consider an Umbrella Policy?
Umbrella insurance isn’t just for the wealthy — it’s for anyone with assets or future income to protect. You may want to consider coverage if you:
Own a home or vacation property
Drive regularly in busy areas (like Kansas City highways)
Have a swimming pool, trampoline, or other high-risk features on your property
Own boats, RVs, or ATVs
Have teen drivers in your household
Want extra protection against lawsuits or medical liability claims
If any of these apply, umbrella coverage can be a smart, affordable safeguard.
Affordable Peace of Mind
The best part? Umbrella policies often start at just a few hundred dollars a year for $1 million in coverage. That’s powerful protection at a surprisingly low cost. You can even choose higher limits — $2 million, $5 million, or more — depending on your financial situation and comfort level.
We’ll walk you through the options and help you choose the right coverage amount.
Integration with Your Home & Auto Policies
Umbrella policies work hand-in-hand with your underlying home and auto policies. Most insurers require a certain level of coverage on those policies before you can add an umbrella. As your agent, Antioch makes sure your coverage levels align — so everything works seamlessly.
See our Homeowners Insurance page and Auto Insurance page for details on the underlying policies that support umbrella protection.
Get a Personal Umbrella Quote
You’ve worked hard to build a life you love — don’t leave it unprotected. Antioch Insurance makes it easy to add umbrella coverage and extend your peace of mind.
Contact us today to review your options and find affordable protection for your family’s future.