Understanding Umbrella Insurance: Protection Beyond Limits

In a world where unexpected incidents can occur, safeguarding your assets and finances becomes paramount. While standard insurance policies provide essential coverage, they often come with predefined limits. That’s where umbrella insurance steps in, offering an extra layer of protection beyond these limits.

What is Umbrella Insurance?

Umbrella insurance is a supplementary form of liability coverage that extends beyond the limits of your existing policies, such as auto, homeowners, or renters insurance. It acts as a safety net, providing additional financial protection against claims and lawsuits that surpass the coverage limits of your primary policies.

How Does it Work?

Imagine a scenario where you’re held legally responsible for an accident, and the resulting costs exceed the liability limits of your auto or homeowners insurance. Here’s where umbrella insurance becomes invaluable. Once your primary insurance reaches its limit, the umbrella policy kicks in to cover the remaining expenses, such as legal fees, medical bills, or property damage, up to the policy’s specified limit.

What Does Umbrella Insurance Cover?

Umbrella insurance typically covers:

  1. Bodily Injury: Expenses related to injuries caused to someone else.
  2. Property Damage: Costs for damage to someone else’s property.
  3. Legal Fees: Legal defense fees and settlements in lawsuits.
  4. Slander or Libel: Damages arising from defamation or false statements.
  5. Certain Lawsuits: Coverage for personal liability situations not covered by standard policie

Who Needs Umbrella Insurance?

While everyone can benefit from added protection, individuals with significant assets, high-risk professions, or those concerned about potential lawsuits should seriously consider umbrella insurance. Homeowners, landlords, business owners, and high-income earners often opt for this coverage to protect their wealth and assets.

Cost and Coverage Limits

Umbrella insurance is relatively affordable considering the substantial protection it offers. Premiums vary based on factors like coverage limits, personal risk factors, and the number of properties or vehicles you’re insuring.

Coverage limits for umbrella policies typically start at $1 million and can go much higher, depending on your needs and the insurer’s offerings. It’s essential to assess your potential risk exposure and consult with an insurance professional to determine the appropriate coverage level.

Final Thoughts

While no one anticipates accidents or lawsuits, having umbrella insurance ensures you’re prepared for unforeseen events that could threaten your financial stability. It’s an additional layer of security that shields your assets and provides peace of mind, knowing you’re protected beyond the limits of your primary insurance policies.

Consider evaluating your insurance needs and discussing umbrella coverage with an insurance agent to determine if it’s the right choice for you. Remember, being proactive today can save you from financial hardships in the future.

Joan Curtis

Co-owner/Licensed Agent

What do you enjoy most about working at MVP Insurance?

I love working with such an amazing team!  As an owner here, I get the blessing of choosing who I get to work with every day, and I have to say I would put our team up against any!  We are blessed to have people who put service before self daily!  Second, I love that we get to honor God with what we do here.  I don’t want to live a day without the Lord being a part of our business.  I believe that is one of the biggest reasons we have been successful in this industry!

What is your favorite book, movie, and/or Song?

My favorite Movie – Is Pride and Prejudice (2005)

My favorite song is . . . all of them!  I love all music except for maybe Death Metal!

My favorite book series that I have read recently is “The Prison Healer” series by Lynette Noni.  I love listening to young adult fiction the best.  Gets me out of my head and I get to take mini adventures with the characters.

Another series I really enjoyed was “Legend” by Marie Lu.  Both have amazing character development and unique surprises. A business book that I recently listened to that was amazing was Overcoming the Five Dysfunctions of a Team by Patrick Lencioni.


What is your Favorite Quote or Scripture?

Colossians 3:4 “When Christ, who is your life, appears, then you also will appear with him in glory.”  This is one of God’s promises when you live for the Lord, not everyone will understand that, and that’s okay, I am not for everybody.  I am for the ONE!

What is your dream Vacation?

My dream vacation would be to travel in the Mediterranean with my husband and all my kids and their families, for like 3 months and really get to experience the culture and the beauty there.

Blythe Donovan

Licensed Agent

How did you get into Insurance?

I got into insurance in 2019 because God told me this was my next step when I came in to meet with Brent and Joan for the first time! I love being an insurance agent because I get to help educate people and help protect families. I love my job for so many reasons, but mostly because I work with incredible people, both at MVP and with the relationships I form with clients and referral partners.

What is your favorite book, movie, and/or Song?

I don’t know if I can choose an actual favorite, because I love so many things in life! But the song that brings me the most joy currently is Somewhere Over the Rainbow/Wonderful World medley by IZ, with the ukulele. I love the words, the hopeful message, and I tend to always find the silver lining or the other side of the rainbow in every situation. I am an incurable optimist and joy seeker!

What is your Favorite Quote or Scripture?

My favorite scripture is Ephesians 3:20, God is able to do exceedingly, and abundantly, more than we can ask or imagine!

What is your dream Vacation?

My dream vacation is a quiet place in the mountains! My husband and I took a belated honeymoon to Pagosa Springs, Colorado and it was a slice of heaven on earth! My ideal day would be spent outdoors, enjoying wildflowers, the sound of a river rushing by, cool mountain breezes, and the smell of pine trees. We loved the small town and beauty of Pagosa Springs so much that we are actively working towards being able to get a place there so we can escape to the mountains more regularly!

Jade Griggs

Client Concierge

What do you enjoy most about working at MVP Insurance?

I love how everyone in the office is like family! I learn something new every day.

What is your favorite book, movie, and/or Song?

Favorite Book: Anything by Tracy Wolff 

Favorite Movie: “White Christmas” and “Dirty Dancing”. 

Favorite Music; Christmas, Country, Christian


What is your Favorite Quote or Scripture?

 Favorite Quote: Today is only one day in all the days that will ever be. But what will happen in all the other days that ever come can depend on what you do today! -Ernest Hemingway.

Favorite Scripture: so do not fear, for I am with you; do not be dismayed, for I am your God. I will strengthen you and help you; I will uphold you with my righteous right hand. – Isaiah 41:10


What is your dream Vacation?

My childhood dream vacation was to go to Disney World (like most little kids). However, as an adult my ultimate vacation would be to travel to Ireland and visit the many towns, and villages along the western shoreline. The most famous landmark in Ireland is probably the Cliffs of Moher which is at the top of my bucket list.

Brent Brown

Co-Owner / Licensed Agent

What do you enjoy most about working at MVP Insurance?


I love the family atmosphere that we have created here at MVP. Everyone is willing to go the extra mile to help a fellow client, co-worker, or strategic partner!


What is your favorite book, movie, and/or Song?


If you catch me reading it is most likely a book about business or personal development. One of my all time favorites is “Good to Great” by Jim Collins. I don’t think I can pick a favorite movie, but I am a huge fan of “The Office” TV Series (American Version). I like to think I’m a Jim, but truthfully, I’m probably more of a Michael!


I enjoy listening to all genres of music. People who ride with me are often taken aback because I’ll be streaming Beethoven from my phone and an EMINEM song will come on after.


What is your Favorite Quote or Scripture?


“I can do all things through Christ who strengthens me” Philippians 4:13
“An office is for not dying. An office is a place to live life to the fullest, to the max. An office is a place where dreams come true.“ Michael Scott


What is your dream Vacation?


Snow Skiing and a big cabin in the Mountains of Colorado!