Personal Umbrella Insurance in Pulaski County, KY — Extra Coverage for Life’s Biggest Risks
Sometimes your standard insurance just isn’t enough. From serious car accidents to unexpected lawsuits, personal umbrella insurance provides the extended liability protection you need — giving Kentucky families peace of mind when life takes an unexpected turn.
At Stewart & Tucker Insurance, we help individuals and families in Pulaski County, Somerset, and throughout Kentucky add this critical layer of coverage without overspending.
What Does a Personal Umbrella Policy Cover?
Umbrella insurance extends far beyond the liability limits of your existing home, auto, and personal policies. It can help cover major claims, lawsuits, and unexpected financial risks, including:
Major Auto Accidents
If you’re at fault in a serious crash, umbrella insurance can cover injury and property damage costs that exceed your auto policy limits.
Home Liability Claims
Protects you from lawsuits related to incidents on your property — including guest injuries, dog bites, or accidents around pools and decks.
Legal Defense Costs
Covers attorney fees, court costs, settlements, and judgments related to covered liability claims — even if you are not found liable.
Defamation, Libel & Slander
Provides protection if you’re sued for statements made publicly or online — including social media posts.
Rental Property Liability
If you own rental properties in Kentucky, umbrella insurance adds an extra layer of protection for tenant-related claims or incidents.
Why Umbrella Insurance Matters in Kentucky
Kentucky families face a variety of risks — many of which can lead to expensive lawsuits or claims. Umbrella coverage is one of the most affordable ways to protect your savings and assets.
Lawsuits Are Costly
Even small liability cases can escalate into six-figure claims.
Auto Accidents Happen Every Day
Especially in rural areas where coverage gaps from other drivers can increase your financial responsibility.
Home Liability Risks Increase with Guests
Pools, pets, parties, events — all add to your potential exposure.
Your Assets Deserve Protection
Umbrella insurance shields your savings, home equity, retirement accounts, and future earnings.
And best of all — umbrella insurance typically costs just $20–$30 a month for $1 million+ in added protection.
Frequently Asked Questions About Umbrella Insurance
Do I need umbrella insurance if I already have home and auto coverage?
Yes. Umbrella insurance activates after your home or auto liability limits are exhausted — covering high-cost claims they can’t.
How much umbrella insurance should I carry?
Most people start with $1 million in coverage. Higher limits are available based on your lifestyle, assets, and exposure.
Who should consider umbrella coverage?
Umbrella insurance is ideal for anyone who:
- Has significant assets
- Hosts gatherings or events
- Owns pets (especially certain breeds)
- Has a teenage driver
- Owns rental properties
- Wants extra financial protection at a low cost
Does umbrella insurance cover my family members?
Yes — it typically covers your spouse and any relatives living in your household.
Can I add umbrella insurance to my existing home and auto policies?
Yes. We coordinate your umbrella policy with your current carriers to ensure seamless, layered protection.
Add an Extra Layer of Protection — Without Extra Stress
Stewart & Tucker Insurance helps you extend your coverage and protect what matters most — from legal fees to major liability claims. Whether you're in Somerset, Pulaski County, or anywhere across Kentucky, we’ll help you build a smart, affordable umbrella policy that fits your life.