Umbrella Insurance Illinois and Wisconsin
Extra Liability Protection for Peace of Mind
When Bigger Accidents Call for Higher Limits
A personal umbrella policy adds another layer of liability on top of your auto and home policies. Maple Leaf Insurance Agency helps families across Illinois and Wisconsin choose limits that match their lifestyle, from busy commutes along I 90 to backyard gatherings in Rochelle or Madison.
How Umbrella Insurance Works
Simple Structure With Meaningful Protection
Umbrella policies are typically sold in one million dollar increments. If a claim exceeds your underlying limits, the umbrella steps in next. We confirm that your auto insurance and homeowners insurance meet required minimums so the policy responds as expected.
Why Consider an Umbrella
Lawsuits Are Costly and Unpredictable
- Lawsuit protection for serious auto accidents or injuries on your property.
- Broader coverage that can include certain personal injury claims like libel or slander, depending on the carrier.
- Strong value since high limits are generally affordable compared to the risk they address.
Why Get Your Umbrella With Maple Leaf
Coordinated Coverage and Honest Advice
We look at your whole picture, from teen drivers to rental properties, and align limits across policies. Maple Leaf Insurance Agency shops multiple carriers, explains differences clearly, and keeps your renewals easy. If your work involves a small business, we can also discuss a commercial umbrella through our Business Owners Policy and other lines.
Umbrella Insurance FAQs
Short Answers to Common Questions
Who needs umbrella insurance?
Homeowners, frequent drivers, pet owners, and anyone with savings or future income to protect often choose at least one million dollars.
How much does it cost?
Pricing varies, but many households add a policy for a few hundred dollars per year. We will quote exact figures.
What underlying limits are required?
Carriers usually require higher liability on auto and home. We will review and adjust if needed.
