Umbrella Insurance in Tennessee—Extra Liability Protection When It Matters Most

Protection That Goes Beyond Your Auto and Home Insurance

Umbrella insurance provides an extra layer of liability protection on top of your auto, homeowners, or renters policies. It steps in when those policy limits are exhausted—helping protect your savings, home equity, and future income from large lawsuits.


For example, if you’re at fault in a serious car accident causing $500,000 in injuries but your auto policy only covers $300,000, an umbrella policy could cover the remaining $200,000—so you don’t have to pay out of pocket.

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How It Works in Real Life

Umbrella insurance typically provides coverage in $1 million increments and can help cover:

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Major auto accidents with severe injuries

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Serious injuries to guests on your property

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Lawsuits for libel or slander

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Legal defense costs and settlements

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Liability claims that exceed your underlying policy limits

Coverage often applies worldwide and extends to household members, offering broad protection for everyday life.

It’s Not Just for the Wealthy

Umbrella insurance is a smart choice for anyone with assets—or future earnings—to protect. This includes:

  • Homeowners and families

  • Drivers with teen drivers or long commutes

  • Professionals with higher public exposure

  • Individuals with savings, investments, or retirement accounts

  • High-net-worth households seeking additional peace of mind

Large personal injury verdicts are becoming more common, and even standard liability limits can be exceeded quickly. Umbrella insurance helps close that gap.

What You Need to Qualify

To add an umbrella policy, insurers typically require minimum liability limits on your underlying policies, such as auto or home insurance. Don’t worry—we’ll review your current coverage and guide you through any adjustments needed to qualify.

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Umbrella Insurance FAQs

  • Do I need an umbrella insurance policy in Tennessee?

    If you have assets, savings, or income to protect, umbrella insurance is a smart addition—even if you don’t consider yourself “high net worth.”

  • How does umbrella insurance work for a family?

    It protects all covered household members and can help shield your family from financial harm after a major claim.

  • How much does umbrella insurance cost?

    Many $1 million policies cost roughly $150–$300 per year, depending on your situation and underlying coverage.

  • How much coverage should I get?

    We often recommend coverage that at least matches your total assets, with higher limits available if needed.

Not Sure If You Need an Umbrella Policy?

We’ll review your auto and home liability limits and help you determine whether an umbrella policy makes sense. There’s no obligation—just clear guidance.

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Tailored Protection From a Local Independent Agency

The Bill Yon Agency works with top-rated carriers that offer personal umbrella limits of $1 million, $2 million, $5 million, and more. As an independent agency, we’ll help you compare options and design coverage that fits your lifestyle—whether you’re protecting a growing family or significant assets.

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Extra Peace of Mind for Life’s Biggest Risks

Umbrella insurance helps ensure one accident or lawsuit doesn’t undo everything you’ve worked for. Get affordable, high-limit protection from The Bill Yon Agency—serving Hendersonville, Nashville, and all of Tennessee.