Umbrella insurance in Scottsdale.
One at-fault accident, one pool injury, one lawsuit can blow past your auto and home limits and reach your savings, home equity, and future income. A personal umbrella sits on top of it all — and it's the most under-carried coverage in the Valley.
Claim My Coverage AuditIf your net worth exceeds your liability limits, you have a gap.
Two-income, two-property households
The most common Scottsdale gap: assets that far exceed standard auto and home liability limits.
Rental properties
Landlord liability stacked into one personal umbrella, coordinated with each dwelling policy.
Pools, teen drivers, boats
The exposures that most often produce a claim larger than an underlying policy can absorb.
$1M to $10M+ limits
Layered over home, auto, and rentals, and coordinated with corporate umbrellas where applicable.
As an independent agency we shop the right limit and price across 30+ carriers, rather than stapling on whatever one insurer offers. Serving Scottsdale, Paradise Valley, and the North Valley.
How much umbrella insurance do I need in Scottsdale?
A common guideline is coverage at least equal to your net worth. We size it to your assets and exposure — most Valley households land between $1M and $5M, with high-net-worth families going to $10M and above.
What does a personal umbrella policy cover?
Liability above your auto and home limits — bodily injury, property damage, and certain lawsuits such as libel or slander. It kicks in when a claim exceeds the limits on your underlying policies.
Does an umbrella cover rental properties and boats?
It can extend over rental properties, watercraft, and recreational vehicles when the underlying policies are coordinated. We handle that coordination for you.
How much does umbrella insurance cost?
Often just a few hundred dollars a year for the first $1M of coverage — one of the best values in insurance for the protection it provides.
See the gap between your assets and your limits.
Our free Coverage Audit reviews your current policies line by line and shows you exactly where you're exposed.