Life can be unpredictable, but the right protection can make all the difference. At Emperor Insurance, we compare umbrella insurance options from multiple trusted insurance companies to help you find additional liability protection that fits your needs and budget. Request your free umbrella insurance quote today and let our experienced, licensed agents help you compare your options and choose the policy that's right for you.
Independent agency · Est. 2007
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Good coverage starts with a conversation. Let's find the right policy for you.
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Why Clients Choose Us for Umbrella Insurance
Real benefits. No gimmicks.
Underlying Policies Reviewed First
Carriers look at what you already carry. A licensed agent checks that before quoting.
Works Across Agencies
Your auto and home can sit elsewhere. Bring the declarations pages and we will review them.
Household Exposure Discussed
Drivers, properties, watercraft and rentals all affect what carriers will consider.
Multiple Umbrella Markets
Requirements differ a great deal between companies. We compare rather than assume.
Personal and Commercial Under One Roof
If you own a business too, the same agency handles both conversations.
Clear Explanation of Requirements
We tell you plainly what a carrier will want in place before it will consider an umbrella.
Who Umbrella Coverage Is Often Right For
Umbrella comes up most often when someone's exposure has outgrown their underlying limits. These are the situations we see.
Homeowners With Growing Assets
Assets accumulate faster than most people update their liability limits.
Households With Teen Drivers
A young driver in the household changes the household's overall exposure.
Owners of Pools, Boats or ATVs
Recreational exposures are among the most common reasons clients ask.
Owners of Rental Property
Tenants introduce liability that a personal policy alone may not be sized for.
Frequent Hosts and Entertainers
Regular guests on the property raise questions worth reviewing with an agent.
Anyone Asked for Higher Limits
Contracts, boards and clubs sometimes specify limits above a standard policy.
Frequently Asked Questions
Common questions about umbrella insurance.
Insurance companies generally look at the policies you already carry when considering an umbrella. What is required varies by insurance company, so a licensed insurance agent will review what you have and tell you what the carriers we represent will want.
In many cases, yes. Bring the declarations pages for the policies you already hold and a licensed insurance agent can review them. Eligibility and requirements vary by insurance company and policy.
Use the quote form on this page or call 305-253-5343. A licensed insurance agent reviews your information, compares umbrella insurance quotes from the insurance companies we represent, and follows up with the options available for your situation. There is no obligation to move forward.
Typically your existing underlying policies and details for the drivers or household members involved. Depending on your situation, additional information may be requested. Insurance companies have different underwriting requirements. If you do not have everything to hand, a licensed insurance agent can still get started.
A captive agent represents one insurance company. As an independent insurance agency, Emperor Insurance works with multiple carriers, so if one changes its pricing or appetite we can look at others without you starting over, with the same licensed insurance agent throughout. Coverage, features and eligibility vary by policy and insurance company.
Protect What You've Built
Extra liability protection for added peace of mind.
Talk to a Real Agent Today
Call, email, or request a quote. A licensed Emperor Insurance agent will get back to you the same business day.