Umbrella Insurance

Get Additional Liability Coverage at a Low Cost

Every home, auto, and boat owner should consider umbrella insurance, no matter their income. Business owners can benefit from an umbrella policy as well. We’ll explain the basics of this coverage so you can decide if it makes sense for you.

Accidents Happen


Accidents are a part of life, and they can have financial consequences if you’re held liable. Umbrella insurance may offer liability protection if you’re in a situation that results in injury to somebody else or damage to their property—where the damage goes beyond the limits on your home or auto insurance. 

An umbrella policy can help you protect your assets, like your home, savings, and even future earnings.


Understanding Umbrella Insurance


Umbrella insurance refers to liability coverage that is in excess of other policies—and potentially primary insurance—for losses not covered by those other policies.

This may include:

✔False Arrest

✔Boating Accidents

✔Invasion of privacy

✔Slip and fall accidents on your property

✔Physical damage or bodily injury caused by your dog

✔Motor vehicle accidents with bodily injuries, excessive physical damage, or death

✔And more.

Who Needs Umbrella Insurance?

Umbrella coverage can benefit just about anyone—because accidents can happen to anyone, resulting in high costs. 

Umbrella insurance can help keep you from paying out of pocket for somebody else’s medical or legal bills if you’re held responsible. Plus, the coverage usually extends to your spouse, children, and other family members who live in your home and who don’t have auto or property insurance in their name.

How We Can Help

Sherrye LaCour Insurance can answer questions about who your umbrella policy may or may not cover. We’ll also help you determine how much coverage you need to protect your most valuable assets.


Consider this example. Let’s say you’re driving to work and you collide with another vehicle. Unfortunately, all passengers in the other vehicle are injured. This collision has caused expensive medical bills and may produce a judgment against you in court—that your auto policy limits might not fully cover. 

Umbrella insurance is an extra blanket of protection in case you or a loved one are responsible for personal injury or property damage to other people. Your umbrella policy can provide one million (or more) of liability coverage, above the limits of your auto, homeowners, or other insurance.

What could you lose without the proper coverage? Think about it.

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Contact Your Insurance Agent

Talk to Sherrye LaCour Insurance today to help understand how you can benefit from umbrella insurance. We’re proud to serve our clients in MS, LA, TX, and TN. Call (601) 286-8230 or contact us online.