(704) 857-9512 China Grove, NC

(704) 784-3300 Concord, NC
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Umbrella Insurance

Umbrella Insurance is critical to your insurance plan

If you were found negligent or liable for someone else’s bodily injury or death, would you have enough insurance to protect your assets?

Umbrella insurance is a stand-alone liability policy that provides an additional limit of liability over and above your underlying liability limits that are already on your homeowners and auto insurance policies.

Life can be unpredictable and as much as we plan for the best, sometimes the worst can happen. This is where umbrella insurance comes into play and provides you with additional coverage that goes above and beyond to protect your assets.

Umbrella Insurance example scenario

To get a better sense of what Umbrella Insurance is and how it would work in a real life situation, it helps to think about it in action.

Say you’re held liable for causing a car accident with multiple vehicles, and the cost to cover the damages and injuries is $850,000. However, the liability limits on your Auto policy are only $300,000.

In this case, your insurance would pay only $300,000 for the entire accident, and you would be responsible for the remaining $550,000 out of your own pocket!

With an Umbrella policy, however, you could extend your liability limits beyond the maximum provided by your underlying policies. In this case, an Umbrella policy would provide liability limits above the $300,000 limit of your Auto policy, up to the limit you choose for your Umbrella policy (typically anywhere from $1 million up to $5 million in coverage).

In other words, you wouldn’t be left paying the remaining $550,000.

More examples…

  • your dog bites a neighbors child
  • fire at your condo spreads to other units
  • accident at your rental property

How much does Umbrella insurance cost?

One of the things that makes Umbrella insurance so appealing, and almost a no-brainer in most situations, is that the cost is generally very low.

Most insurance carriers offer coverage starting at around $150 per year. The cost of your policy goes up based on the amount of cars and homes you need it to overlay, but in general the cost is pennies on the dollar, and all the risk is on the insurance company.

Even if your premium was $300/yr, the insurance company is on the hook for at least $1,000,000. That is a tremendous value, and something that everyone should think about given the litigious nature of our society.

It only takes one accident to potentially bankrupt yourself

If you don’t have enough coverage, and in a world where medical expenses are sky rocketing, it only make sense to think about purchasing Umbrella insurance.

To get started with your quote, call our office, or click over to our quotes page and our team will shop the marketplace to see who offers the best coverage.

Keep in mind that most insurance carriers require that you have at least your auto insurance policy with them in order to qualify for their umbrella.

Stand alone umbrella policies are available also for special situations.

One of the best things about our experience with this agency is the immediate response we always receive. In addition, the kindness and 'family feel' of being a long time customer makes us feel safe and appreciated.
Bonnie McNay
Bonnie McNay
Great and easy to do business with. :)
Evelyn Nicole Phillips
Evelyn Nicole Phillips
I just had a phone encounter with Dana Campbell to assist one of our insured with getting a new vehicle purchase added to their auto policy. Dana was very helpful and demonstrated her knowledge in this process. She is a pleasure speak to.
Jessica Phillips
Jessica Phillips
Quick turn around and responses. Very professional
A Floyd
A Floyd
Darrell Yarborough has always taken care of me and my family, any time I have ever called for information he’s always quick to help me out, always friendly and quick.
Jon Efird
Jon Efird
I have been with Nationwide for many years. Jason Bentley and his staff are friendly, helpful, and knowledgeable. These people will take care of you and treat you like family.
Angie Bailey
Angie Bailey
Great customer service.
Cheryl McClellan
Cheryl McClellan
Jason is the best! I recommend everyone I know to him!
Jen Mugnano
Jen Mugnano
Dana is fantastic. Knowledgeable, helpful and quick to respond!
Nancy Nesbit
Nancy Nesbit
Save me some$$. Switched from State Farm Insurance. Been with State Farm Insurance for 28 years. Just kept going up on their prices and found it for basically the same coverage for less$. It really pays to compare Insurance coverage no matter how long you've been with a company.
M Honeycutt
M Honeycutt
Dana has absolutely assisted our family for years with insurance issues. This last week she went above and beyond and even after hours to assist again. She is absolutely gold. Give her a raise Mr. Bentley...
John Andrews
John Andrews
We have always had excellent service from this agency because of Dana! We love her and her excellent knowledge that comes from experience. Highly recommend!
Angel Teems
Angel Teems
I am not exaggerating when I say that I am so excited to have Nationwide as my insurance agency! I was a Nationwide customer years ago, and I am happy to be back with such an incredible agency. The agents respond to emails very quickly and always answer the phone when I call the office. I am super happy to partner with such an amazing group of individuals to protect my family, vehicles, and home!
Alex Ventura
Alex Ventura
Very helpful and responsive to my questions and needs. I would highly recommend this agency to you.
Marvin VonCanon
Marvin VonCanon
Very responsive ,Always ready to help, Great friendly service.
Michael Chisholm
Michael Chisholm
Jason provides a level of personalized service that is unbeatable. He is easy to work with, quick to respond to questions and is very knowledgeable about the insurance profession. I’ve worked with him on both business, homeowner and auto policies.
Ashley Goodnight
Ashley Goodnight
I’ve been with your company for 20 years. Carissa is the best. She is amazing at what she does. Very compassionate. Heart of gold and really is an amazing person. Couldn’t ask for a better person handling my policy 💗
Angel Mae
Angel Mae
i’ve been with state farm for awhile until nationwide quoted me HALF of what i was paying. dana has taken very good care of me and made everything as easy as possible.
Jordyn Kroger
Jordyn Kroger
CARISSA KISER IS AWESOME- BEST CUSTOMER SERVICE OUT THERE AND KNOWLEDGEABLE AS WELL!
Marcie Pack
Marcie Pack
I have had insurance with the Jason Bentley Agency for a few years. Everyone at the Agency has had exceptional customer service. I have had to make some special requests or have asked crazy questions; 99.9% Carissa gets my call. She is always extremely nice and patient. Carissa makes calling easy and I feel she goes over her duties to make sure I am taken care of. Thank you to the Jason Bentley Agency and Carissa for providing exceptional service and support.
Amber Thomas
Amber Thomas
Jason is the best! Super responsive and easy to work with. I've worked with many different insurance agencies and his customer service is definitely the best. Highly recommend if you are looking for new insurance coverage!
Stacy Mackin Melton
Stacy Mackin Melton
The Bentley agency has providing me superior service for the last 8 years for auto, home, and life insurance policies. I would recommend them for all your insurance needs.
Riaz Kosi
Riaz Kosi
Jason is awesome!! Always has the best customer service. Would recommend him to anyone
heather Tilden
heather Tilden
Always get treated with respect have been going here for years
Luis angeles
Luis angeles
We been in partnership with this agency since 2002. Their customer service is hard to beat! Always responsive and willing to help out at a moments notice.
Suzanne Creed
Suzanne Creed
Excellent, very timely and professional service. Would definitely recommend this agent and office to any and everyone. We got just what we needed for our auto and home insurance. Great job to Jason and his office.
Logan Carl
Logan Carl
Great service! They resolved my issue in one phone call! We would refer them to anyone!
Don White
Don White

(704) 857-9512

1435 N. Main St. China Grove, NC 28023​

(704) 784-3300

646 Church St. N Concord, NC 28025