Umbrella Insurance

An extra layer of financial protection that extends beyond the limits of your primary insurance policies.

Security for Whatever Life Throws Your Way

At Manna Insurance, we know there is inherent risk in just about everything.

Instead of worrying about whether or not you’re covered for it all, add an extra layer of protection beyond your primary policies with an umbrella insurance policy.

Working with us means you have a team of experts who understand the complexities of umbrella insurance and can help tailor a policy that suits your unique needs.

Whether you're a business owner or an individual looking to safeguard your wealth, Manna Insurance can provide you with peace of mind, knowing that you have added financial protection in case of unexpected events or liability claims.

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So what coverage do I need?

An Extra Layer of Protection to Cover All Your Bases

Liability

Just like sprinkles make ice cream more exciting, liability coverage adds an extra layer of protection. It shields you from major financial losses if you're held responsible for someone else's injuries or property damage.

Auto Liability

This is like putting a cherry on your ice cream sundae but for your car. It extends your liability coverage when you're on the road, ensuring you have a sweet safety net.

Home Liability

This coverage safeguards your home against liability claims, even if your dog digs up the neighbor's garden.

Legal Defense Costs

When you need legal defense, this covers your legal fees and court costs, so you don't have to worry about melting under pressure.

Additional Living Expenses

If you can't stay in your home due to a covered event, this coverage provides temporary housing expenses.

Worldwide Coverage

Planning a vacation? This follows you around the world, providing coverage no matter where your adventures take you.

Underinsured/Uninsured Motorist

Sometimes, other drivers don't have enough insurance. This ensures you have extra protection when dealing with underinsured motorists.

Rental Properties

If you're a landlord, this coverage shields your rental properties and income from lawsuits.

Pet Liability

If your furry friend gets into trouble, this coverage helps with liability claims if your pet causes harm.

RV Liability

Love RV adventures? This coverage is like adding peanut butter cups to your sundae. It keeps your road trips sweet by covering liability on your RV.

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Ways to Save on Umbrella Insurance

Check if you can bundle your umbrella insurance with other insurance policies, such as homeowners or auto insurance, with the same provider. Insurers often offer discounts for bundled coverage.

Bundle with Existing Policies

Maintain good records, a clean claims history, and a strong insurance portfolio with no coverage gaps. Insurers often reward responsible policyholders with lower premiums.

Strong Insurance Portfolio

Carefully assess your liability risks and adjust the coverage limits of your umbrella policy to match your specific needs. Avoid over-insuring, which can lead to unnecessary premiums.

Review Coverage Limits

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Frequent Questions About Umbrella Insurance

Insurance can be complicated and confusing. We’re here to help answer your most common questions about umbrella insurance coverage.

You may need it to protect your assets and financial well-being. If a liability claim or lawsuit exceeds the limits of your primary insurance policies, a personal umbrella policy steps in to cover the excess, preventing you from paying out of pocket.
Anyone with assets to protect can benefit from personal umbrella insurance. It's especially important for individuals with substantial assets, homeowners, landlords, and those with a higher risk of liability claims.
Typically, most insurance companies require you to have underlying home and auto insurance policies before obtaining a personal umbrella policy. The primary policies serve as a foundation for the umbrella coverage.
No, personal umbrella insurance does not cover damage to your own property (home or car). It is specifically for liability protection, covering costs related to injuries or damages you are legally responsible for causing to others.
Yes, personal umbrella insurance often covers personal injury claims, which can include defamation, false arrest, wrongful eviction, and invasion of privacy, among others.
Yes, you can often customize your personal umbrella policy to suit your specific needs. You can adjust coverage limits and add endorsements for additional protection.

All Questions

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Kind Words from Our Customers:

Ciarra Flint

★ ★ ★ ★ ★
Kyle and Jen are incredible! They walked me through the whole process and were so patient with all of my questions and fully explained everything to me! Thank you so much!
AJ Johnson

★ ★ ★ ★ ★
The entire staff at Manna Insurance is personable and professional. Rare these days. We are very satisfied with our new policies. We highly recommend Manna!
Emily Kooistra

★ ★ ★ ★ ★
Last year my home suffered some roof damage due to wind storms. Daniel and Kailey were quick to offer help in any way. Both went above and beyond in communicating with the insurance company to ensure that I was taken care of quickly and efficiently. I would highly recommend Manna Insurance to my family and friends!