Personal Umbrella Insurance in Danville, IN
Extra Liability Coverage for Life’s Unexpected Moments
Your auto and home insurance policies offer important protection — but sometimes, it’s not enough. If you’re hit with a serious accident or lawsuit, your standard limits could be exhausted quickly. That’s where personal umbrella insurance comes in.
At Hadley Insurance, we provide umbrella liability coverage for families in Danville, Hendricks County, and all of Indiana. As an independent, veteran-owned agency, we make sure you’re covered from every angle — with policies built for real life.
What Personal Umbrella Insurance Covers
Umbrella insurance adds an extra layer of protection above your home, auto, or renters insurance. It typically includes:
- Extended Liability Limits – Extra coverage above your current policies (often $1M+)
- Legal Defense Costs – Helps pay for your legal fees if you're sued
- Personal Injury Liability – Includes defamation, libel, and slander claims
- Worldwide Coverage – You’re protected anywhere in the world
- Coverage for Other Members of Your Household – Including dependents and spouses
Popular Add-On Options
- Increased coverage limits beyond $1 million
- Umbrella extensions for rental properties
- Liability protection for boats or recreational vehicles
- Business liability extensions for small side ventures
Who Needs Umbrella Insurance?
Personal umbrella insurance is a smart option for individuals and families in Danville and throughout Indiana who:
- Own a home or rental property
- Have teen drivers or multiple vehicles
- Host gatherings where injuries could occur
- Have significant savings or assets to protect
- Travel frequently or own pets (especially large dogs)
Local Risks to Consider in Indiana
Even in a quiet town like Danville, unexpected lawsuits and large liability claims happen. Common local risks include:
- Auto accidents with high medical or property damage costs
- Injuries on your property (slips, falls, pool accidents)
- Liability lawsuits tied to rental property ownership
- Online defamation or social media-related claims
Frequently Asked Questions
Umbrella Insurance in Indiana
What does umbrella insurance actually do?
It provides additional liability protection once your home, auto, or renters policy limits are exhausted. This is especially useful in Indiana where high-dollar lawsuits or accidents can quickly exceed standard coverage.
Is it expensive to add umbrella coverage?
Not at all. Most Indiana umbrella policies start at around $150–$300 per year for $1 million in coverage. It’s one of the most cost-effective ways to increase your protection.
Does umbrella insurance cover me outside of Indiana?
Yes. Many policies provide worldwide coverage, so you’re protected whether you're traveling, renting a car abroad, or involved in an incident far from home.
Can I get umbrella coverage if I don’t own a home?
Yes. If you have auto or renters insurance with qualifying limits, you can often add an umbrella policy — whether you rent or own.
Can I bundle umbrella with my other policies?
Absolutely. Bundling your umbrella insurance with home and auto policies often results in discounts and better overall protection.
Coverage That Goes the Extra Mile
Umbrella Insurance in Danville, Brownsburg & Across Indiana
Accidents happen. At Hadley Insurance, we help you prepare for the unexpected with umbrella coverage that protects your lifestyle, your assets, and your future.