Asset Shield Insurance steel shield logo, an agency for personal umbrella insuranceAsset Shield Insurance
A two-story house with glowing windows on a dark residential street at night, bare trees overhead and a sedan parked in the driveway., illustrating personal umbrella insurance

Personal Umbrella Insurance For Nebraska Families

Personal umbrella insurance adds a second layer of liability protection on top of your home and auto policies. We explain it in plain words and compare carriers for you.

Get A QuoteCall (402) 880-5569

What Personal Umbrella Insurance Is

Personal umbrella insurance is extra liability coverage. It sits on top of your home, auto, and boat policies. When a claim is larger than those limits, the umbrella can pay the rest, up to its own limit.

Many Nebraska households can use one. If you own a home, drive often, have teen drivers, rent out a property, or have savings to protect, a large lawsuit could reach well past your basic limits.

An umbrella policy usually covers bodily injury and property damage you are legally responsible for. It can also help with legal defense costs and some claims, like libel or slander, that your other policies may leave out.

We are an independent agency, so we can compare umbrella options from many carriers. We look at your current limits, explain what each carrier requires, and show you the choices in plain words.

Get A Quote

A man and a woman seen from behind sit at a kitchen table reading papers beside an open laptop and a lit copper lamp., illustrating umbrella insurance

What Umbrella Coverage Can Include

Every policy is different, and what it covers depends on your policy and carrier. These are common areas where an umbrella can add protection once your main policy limits are used up.

  • An adult in a blue raincoat and rubber boots holds the hand of a small child in a silver jacket on a wet stone patio., illustrating personal umbrella policy insurance

    Injury To Other People

    If someone is hurt in an accident you caused, medical bills and lost wages can add up fast. An umbrella can pay what is left after your auto or home limit ends.

  • A leaning wooden backyard fence with several boards fallen over, a metal shed, a stepladder and a lit lamp post behind it., illustrating what does umbrella insurance cover

    Damage To Property

    If you are found liable for damage to another person's property, an umbrella can help pay the part your base policy does not cover, depending on the terms.

  • A visitor in a jacket walks up three wooden porch steps toward the front door of a family home in afternoon sun., illustrating personal umbrella insurance

    Home Liability

    A guest who falls on your steps may file a claim. An umbrella can sit above your home policy and add limits for that kind of liability.

  • A parent leans into the back seat of a parked minivan to buckle a child in, in a suburban driveway., illustrating umbrella insurance

    Auto Liability

    A serious crash can lead to claims larger than your auto limits. An umbrella can add protection above those limits. Carriers usually ask you to keep set minimums on your auto policy.

Independent Means Choices

We work with many insurance carriers, so we can compare personal umbrella insurance options for coverage, service and price. Everyone does not get the same policy.

  • A family of four adults at a kitchen table reviewing an insurance policy beside house keys and a car key, from Asset Shield, an independent agency for personal umbrella insurance

    Coverage

    Carriers set their own rules for underlying limits and what an umbrella covers. We compare them side by side so you can see where the policies differ.

  • A friendly insurance agent at a desk talking on the telephone with a headset in a bright office, from Asset Shield, an independent agency for personal umbrella insurance

    Service

    You talk with one agency, not many carriers. We explain terms in plain words, answer questions, and help you check the policy as your life changes.

  • A calculator, a pen and an open notebook on a clean desk beside a cup of coffee, from Asset Shield, an independent agency for personal umbrella insurance

    Price

    Umbrella cost depends on your limits, drivers, homes, and carrier. We shop several carriers so you can weigh price against what the coverage includes.

What We Check Before We Shop Carriers

Before we shop, we look at the policies you already have. An umbrella sits above them, so your home and auto limits matter. Carriers often require certain minimums before they will add an umbrella.

We also ask who lives in your home, who drives, and what you own. Rental property, boats, and pools can change the risk. This helps us pick carriers that fit your situation.

  • Current home and auto limits
  • Drivers in the household
  • Boats, pools, or rental property
  • Savings and assets to protect
  • How much extra liability you want
A family backyard with a swimming pool, wooden deck, grill and garden shed, and a child's bicycle lying on the lawn., illustrating personal umbrella policy insurance
The Omaha Nebraska downtown skyline across the river at blue hour with glowing city lights, from Asset Shield, an independent agency for personal umbrella insurance

Tell Us What You Want To Protect

We will find out more about you, your home and your vehicles, compare carriers and come back with options.

  1. 1 Tell Us What You Own
  2. 2 We Compare Carriers
  3. 3 We Come Back With Options
Get A QuoteCall (402) 880-5569