Georgia Umbrella Insurance

Find the right umbrella insurance policy for you. Author Icon Written by Trusted Choice Author Icon
Written by Trusted Choice

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Residents of the state of Georgia have varying insurance needs. You may be liable for injuries or property damage to a third party. Chances are you already have some form of liability insurance, whether, through your home, auto or other policy, but sometimes that coverage isn’t enough to protect you financially. An umbrella insurance policy can provide added coverage at an affordable rate.

An independent insurance agent in the network can help you review your current insurance policies, analyze your coverage needs, and determine whether umbrella insurance is right for you. An independent agent in your ZIP code can start comparing Georgia umbrella insurance quotes for you. 

  • For all types of liability cases: $1,004,308
  • For injuries sustained in vehicular accidents: $315,653
  • For personal negligence lawsuits: $2,959,047

If you are held liable for injuries or property damage, the costs can be overwhelming. If you have built up considerable assets, you have a lot to lose, and if you haven’t, you may find yourself forced to file for bankruptcy. If something major happens, having extra insurance in the form of an umbrella insurance policy may be necessary to keep you afloat.

What Is Georgia Umbrella Insurance?

An umbrella insurance policy increases the liability coverage you have on your home, auto, ATV, or any other insurance you carry that gives liability protection. If you are cause a motor vehicle accident and the costs exceed the liability coverage included in your auto insurance, your umbrella insurance policy will kick in so that you are not left with excessive out-of-pocket liability expenses.

Many financial advisors recommend that you have as much liability insurance as you can afford. Umbrella insurance is an affordable way to supplement your current policies while protecting you from the possibility of financial ruin or bankruptcy.


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How Much Liability Coverage Do You Have?

Georgia’s state minimum auto liability coverage is $25,000 per injured person, up to $50,000 total and $25,000 in property damage coverage. Renters, condo and homeowners insurance providers normally allow you to purchase between $100,000 and $500,000 in liability coverage. Other insurable possessions you have, like boats or ATVs, also frequently have liability insurance limits. By purchasing an umbrella insurance policy, you can significantly raise your liability coverage limits on all your insurance policies.

The High Costs Associated with Accidents

  • Average cost of a motor vehicle accident that results in injuries: $68,170
  • Average cost of a motor vehicle accident that results in death: $3.2 million
  • Average cost of a slip-and-fall injury: $22,800
  • Average cost of a dog-bite liability claim: $29,400

How Much Does Georgia Umbrella Insurance Cost?

As with any other type of insurance, umbrella insurance costs will depend on the amount of coverage you purchase, what the policy covers, and the risk the insurance company determines you pose for a liability claim. The insurer you use will matter as well.

Typical umbrella policies are relatively inexpensive. The average cost to purchase $1 million in extra coverage is about $300 a year. If you have substantial assets to protect, this type of coverage may be extraordinarily beneficial.

Find out More about Georgia Umbrella Insurance

Umbrella insurance is not right for everyone, but most people can benefit from the extra liability coverage that it provides. An agent in the Trusted Choice network can review your liability risks and current coverage amounts to help you determine whether an umbrella policy is a good fit.

Every agent in the Trusted Choice network is dedicated to providing their customers with ethical advice and exemplary service. These agents work for you, not for a particular insurance company, so you can be certain that your best interests are being served. Talk with a friendly independent agent in your neighborhood now to begin comparing Georgia umbrella insurance quotes.

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