# Umbrella Insurance in Missouri | Tina Gregory Agency > Personal umbrella insurance in Sullivan, MO: extra liability above your home and auto, often in $1M steps. Missouri's 25/50/25 minimums are low. Call (573) 358-4513. Source: https://tinagregoryagency.com/umbrella-insurance [Home](https://tinagregoryagency.com/) / Umbrella Insurance # Missouri Umbrella Insurance: One more layer between a lawsuit and everything you own. Extra liability above your home and auto policies, usually in $1 million steps. We'll explain how the layers fit together and let you pick what works for you. [Get My Free Umbrella Quote](https://tinagregoryagency.com/quote-request?coverage=Umbrella) [or call **(573) 358-4513**](tel:+15733584513) **Sullivan** Local office **52** Client reviews **Farmers** Plus Other Options **4** Hometown team The Quick Answer A **personal umbrella policy** adds **extra liability coverage above your home and auto policies** (and boat or rental policies, when they're listed). It's typically sold in **$1 million increments** and kicks in when a serious claim runs past your underlying limits. Missouri's minimum auto liability is only **25/50/25** ($25,000 per person, $50,000 per accident for injuries, $25,000 for property damage), which a serious crash can blow through quickly. Depending on the policy, an umbrella may cover **bodily injury, property damage and some personal injury claims such as libel or slander**, and it can help with legal defense costs. **The insurance company sets required underlying limits** on your home and auto policies, so the layers need to line up. It generally **doesn't cover your own property or business activities**; businesses need [business coverage](https://tinagregoryagency.com/business-insurance) instead. **Tina Gregory Agency** is a **Farmers Insurance agency** in Sullivan with other options through Kraft Lake when Farmers isn't the best fit. Call **[(573) 358-4513](tel:+15733584513)**. Sold in $1 million increments, typically Sits above Home, auto and other listed liability Not for Your own property or business activities Free quotes [(573) 358-4513](tel:+15733584513) Missouri Umbrella Insurance, The Short Version ## Your home and auto policies have a ceiling. An umbrella raises it. Every home and auto policy has a liability limit. Most of the time, that's plenty. But one bad moment can create a claim much bigger than the limit: a multi-car pileup on I-44, a guest badly hurt at a backyard pool party, a dog bite that needs surgery. When the damages run past what your policy pays, the rest can come from you, including your savings, your home equity and even future wages. A **personal umbrella** is a separate liability policy that sits on top. Here's a round-number example. Say you cause an accident with $850,000 in damages and your auto liability limit is $300,000. Without an umbrella, the $550,000 difference is your problem. With a $1 million umbrella above the auto policy, that gap may be covered, subject to the policy terms. Missouri is an **at-fault state** that uses comparative fault, so the driver who causes a crash is responsible for their share of the damages. And Missouri's minimum auto liability limits, **25/50/25**, are far below what a serious injury claim can cost. That's why an umbrella is usually paired with higher limits on the policies underneath it. Umbrella coverage tends to cost less than people expect for the protection it adds. We start with a Farmers umbrella, and when Farmers isn't the best fit, we can look at other options. Either way, we set it up alongside your [home](https://tinagregoryagency.com/home-insurance) and [auto](https://tinagregoryagency.com/auto-insurance) coverage, so the layers fit together. ## What a personal umbrella may cover. And what it usually leaves out. Coverage **depends on the policy**, so read these as the typical pattern. We'll walk through your actual wording with you. Typically covered Injury ### Bodily Injury Liability Someone is hurt and you're legally responsible: a car accident, a fall on your steps, a dog bite. The umbrella can pay above your home or auto liability limit once that limit is used up. Typically covered Damage ### Property Damage Liability Damage you cause to someone else's property, like a pileup involving several vehicles or a fire that spreads from your place to the house next door. The umbrella picks up where the underlying policy stops. Depends on the policy Personal Injury ### Libel, Slander & Similar Claims Many umbrellas include some personal injury coverage, such as claims of libel, slander or false arrest. A heated online post or a dispute with a neighbor can turn into a lawsuit. Coverage varies, so ask before you assume. Often included Defense ### Legal Defense Costs Many umbrella policies help pay defense costs for a covered claim, and some pay them in addition to the limit. Even a lawsuit you win can be expensive to defend. Not covered Your Stuff ### Your Own Property & Injuries An umbrella is liability coverage. It doesn't repair your house or car, or pay for your own injuries. That's what your [home](https://tinagregoryagency.com/home-insurance) and [auto](https://tinagregoryagency.com/auto-insurance) policies are for. Not covered Business ### Business Activities Personal umbrellas generally exclude business activities unless they're covered elsewhere. If you own a business, talk with us about [business insurance](https://tinagregoryagency.com/business-insurance), including whether extra liability above your business policies makes sense. ### Are your liability limits ready for an umbrella? Bring us your home and auto declarations pages. We'll check your underlying limits against what the company requires and explain your umbrella options. [Check My Limits](https://tinagregoryagency.com/quote-request?coverage=Umbrella) [Call (573) 358-4513](tel:+15733584513) How It Works ## Three things to understand before you buy. ### 1. It's sold in $1 million steps Personal umbrellas are typically sold in **$1 million increments**. Most households start at $1 million. If you have significant assets, rental properties or a young driver, the second or third million may be worth pricing. Each added million usually costs less than the first. ### 2. The company sets required underlying limits An umbrella doesn't replace the liability on your home, auto and other policies. It sits on top of them. **The insurance company sets required underlying limits**, meaning a minimum amount of liability each policy must carry first. If your auto policy is at Missouri's 25/50/25 minimums, for example, you'd generally need to raise it before an umbrella can be added. Some companies also prefer to write your home or auto alongside the umbrella. If an underlying limit drops below the requirement, you could end up paying the gap yourself, so we check these at every renewal. ### 3. Every vehicle, home and boat should be listed The umbrella needs to know what it sits over: every car and truck, every home you own or rent out, and any boats or recreational vehicles. A boat or a rental house that isn't listed can leave a hole right where you need coverage. We'll make a simple list together and match it to your policies, including any [RV and boat](https://tinagregoryagency.com/rv-insurance) coverage. ## Who should seriously consider an umbrella. Probably more people than you'd think. If you have something to protect, or something that raises the odds of a claim, an umbrella is worth a conversation. [Homeowners with assets Home equity, savings, retirement accounts and future income can all be reached by a judgment. If you own a home and a couple of cars, you have something worth defending.](https://tinagregoryagency.com/home-insurance) [Families with teen drivers A new driver on I-44, MO-185 or a two-lane county road raises the odds of a serious accident. An umbrella over the family auto policy adds a layer for exactly that risk.](https://tinagregoryagency.com/auto-insurance) [Pools, trampolines & dogs Backyard fun and family pets are some of the most common sources of injury claims. Some companies have rules about these, so tell us up front and we'll look for a fit.](https://tinagregoryagency.com/quote-request?coverage=Umbrella) [Rental property owners A tenant or guest hurt at a rental can bring a claim beyond your landlord policy's limit. Many umbrellas can extend over smaller rentals that carry the required underlying liability.](https://tinagregoryagency.com/landlord-insurance) [Boat & RV owners A day on the water or a weekend at the campground can go wrong fast. Boat and RV liability can sit under your umbrella, as long as they're listed and meet the company's requirements.](https://tinagregoryagency.com/rv-insurance) [People who host Graduation parties, holiday dinners, Fourth of July cookouts. More guests on your property means more chances for someone to get hurt, and hosting can carry its own liability questions.](https://tinagregoryagency.com/quote-request?coverage=Umbrella) ### Own a business too? A personal umbrella generally excludes business activities. Let's talk about coverage for the business side and a personal umbrella over your home and cars, so both sides are protected. [Business Insurance](https://tinagregoryagency.com/business-insurance) [Call (573) 358-4513](tel:+15733584513) ## Missouri umbrella insurance questions. Straight answers. What is umbrella insurance? A **personal umbrella** is extra liability coverage that sits on top of your home and auto policies, plus other listed policies like a boat or rental. When a serious claim runs past the liability limit on one of those policies, the umbrella can pick up where it stops, up to the umbrella's own limit. It's usually sold in **$1 million increments**, and it can also help with legal defense costs, depending on the policy. It helps protect your savings, your home equity and your future income from a judgment you couldn't otherwise pay. How much umbrella coverage do I need? A common starting point is enough to cover what you own and what you'd stand to lose, including home equity, savings, investments and future earnings. For many households that's $1 million. Others with more assets, rental properties or a teen driver go higher in $1 million steps. There's no formula that fits everyone. We'll talk through your assets and your risks, show you what each extra million adds to the premium, and let you decide. What are required underlying limits? An umbrella expects your home, auto and any other listed policies to carry a certain amount of liability first. The insurance company sets required underlying limits, and you need to keep them in place for the umbrella to work as designed. If your auto liability sits at Missouri's 25/50/25 minimums, for example, you'd generally need to raise it before an umbrella can be written. Some companies also prefer to write your home or auto alongside the umbrella. We'll line the layers up so there's no gap between them. What does an umbrella policy cover? Depending on the policy, an umbrella may cover **bodily injury** and **property damage** you're legally responsible for, above your underlying limits. Many also include some **personal injury** coverage, such as claims of libel, slander or false arrest, which your home policy may not fully address. Many policies also help with legal defense costs. What's included varies by company, so we'll read the policy wording with you. What doesn't a personal umbrella cover? It generally doesn't cover damage to your own property, your own injuries, intentional acts or contractual liability. It also generally excludes **business activities** unless they're covered elsewhere. If you own a business, ask us about [business insurance](https://tinagregoryagency.com/business-insurance) for that side. Exclusions vary by policy, so ask us before you assume something is covered. Does an umbrella cover my teen driver? Generally yes, if the teen is a listed driver on an auto policy that sits under the umbrella and the policy includes resident household members. That's one of the most common reasons families add one. A new driver raises the chance of a serious accident, and Missouri is an at-fault state, so the driver who causes a crash is responsible for their share of the damages. With Missouri's minimum liability at just 25/50/25, the gap can be large. Ask us to confirm how your policy handles young drivers before you add one. Do I need an umbrella if I own rental property? It's worth a serious look. A tenant or guest injured at a rental can bring a claim that runs past your landlord policy's liability limit. Many personal umbrellas can extend over one- to four-unit rentals if those properties carry the required underlying liability. Larger buildings or properties owned by an LLC may need a different setup. We'll look at how the properties are owned and insured, then explain your options. See our [landlord insurance](https://tinagregoryagency.com/landlord-insurance) page for more. Why get an umbrella through Tina Gregory Agency? Because we actually explain the coverages to you and let you pick what works for you. Umbrella rules vary, including required underlying limits and which homes, cars and boats can be included. We're a Farmers Insurance agency with other options through Kraft Lake when Farmers isn't the best fit, so we can line up your home, auto and umbrella to work together. We're a local team of four in Sullivan, with 52 reviews across Google and our Farmers page, and we'll review your layers as your family and your property change. Still have questions? [Call (573) 358-4513](tel:+15733584513) . We'll give you a straight answer. ## Build the layers underneath it. [Get an umbrella quote](https://tinagregoryagency.com/quote-request?coverage=Umbrella) [Home insurance](https://tinagregoryagency.com/home-insurance) [Auto insurance](https://tinagregoryagency.com/auto-insurance) [RV & boat insurance](https://tinagregoryagency.com/rv-insurance) ## Protect what you've built. Free, local and in plain English. Tell us about your home, your cars and anything else you own. We'll check your underlying limits, explain your umbrella options and let you pick what works for you. [Get My Free Umbrella Quote](https://tinagregoryagency.com/quote-request?coverage=Umbrella) [or call **(573) 358-4513**](tel:+15733584513) --- **Tina Gregory Agency** · 878 Dunsford Dr, Sullivan, MO 63080 · (573) 358-4513 · Mon–Fri 9:00 AM–5:00 PM Central Request a quote: https://tinagregoryagency.com/quote-request (plain HTML form) or https://tinagregoryagency.com/quote (guided).