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Umbrella Insurance

An extra layer of protection when you need it.

Umbrella insurance provided by Strickler Insurance.

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Nervous about experiencing a major insurance claim that would not be fully covered by your insurance and would cost you thousands of dollars? Umbrella insurance can help you to rest easy and know that you are covered.

What Is Umbrella Insurance?

Umbrella insurance simplified is liability insurance that goes beyond the existing liability insurance that is connected to specific policies like car insurance or home insurance. So if you had a certain limit on the coverage for your vehicle’s liability, where the auto policy ends, the umbrella insurance picks up. The same can be applied to your home.

Umbrella insurance is appropriately named and can be looked at as an umbrella covering your existing insurance policies or a buffer blocking liability damages from taking money out of your pocket.

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Property Damage Liability
Risk Factor

You can be held responsible if you significantly damage another vehicle and/or property. Do you have enough coverage to protect yourself from the risk?


Your standard auto policy limit could easily be exhausted if you are found to be at fault. An umbrella or excess liability policy provides an extra layer of protection once your standard liability limits are exhausted. It’s a cost-effective way to ensure the peace of mind you deserve.

Bodily Injury Liability
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into a pedestrian, bicycle, or another vehicle. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


An umbrella or excess liability policy helps extend your coverage to better protect you against these significant costs. It’s the ideal coverage to provide peace of mind, even when the unthinkable happens.

Risk Factor

You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?


An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies - providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Watercraft Liability
Risk Factor

Accidents can happen to anyone at any time, even those who have been out on the water for years. Personal watercraft insurance is a necessity, but sometimes the limit these policies provide isn't enough.


Your standard watercraft policy limit could easily be exhausted if you are found to be at fault for property damage or personal injury. An umbrella or excess liability policy can extend those limits, providing you an additional layer of financial protection.

What Does Umbrella Insurance Policy Cover?

Umbrella Insurance is liability coverage for the unexpected and unpredictable. It is essentially added protection that ensures extra protection on you and your assets. With extra protection comes extra peace of mind.

How Does An Umbrella Insurance Policy Work?

If your auto insurance policy were to cover up to $400,000 but you were to have an auto insurance claim that costs $500,000. Your main insurance would cover the first $400,000 and the umbrella insurance would catch the remaining $100,000. This will keep you from having to pay the excess costs.

Should I Get Umbrella Insurance Or Just Increase My Separate Policy’s Coverage?

If you were to increase your coverage in each of your separate insurance policies, in most cases, it would cost more than just adding umbrella coverage. That is the best part about umbrella insurance, by getting this added coverage you enhance all of your existing insurance policies.

Is It Worth Having An Umbrella Insurance Policy?

It is definitely worth the cost of having umbrella insurance. This type of insurance coverage allows you to navigate life with more freedom and protection. Some people get Umbrella insurance and there isn’t a need for some time, then they are hit by an extremely large claim that their core policies wouldn’t have been able to cover. It is in that moment that they are extremely happy they purchased umbrella insurance.

What Is Not Covered Under Umbrella Insurance

Umbrella insurance does not cover your own costs, but it covers costs that derive from other expenses. This is why it is primarily referred to as a liability insurance. If someone sues you because your dog bit them, that would be covered. Of course, you would need to have homeowners’ insurance in the first place. So you can’t drive your vehicle and just have umbrella insurance. You need to have a specific auto policy that the umbrella insurance can tag onto.

Get Umbrella Insurance From Strickler Insurance

Strickler Insurance is located in Lebanon Pennsylvania. Get your Umbrella insurance in Lebanon PA, Pennsylvania or one of our neighboring states. At Strickler we hope to provide the best Umbrella insurance. We provide Umbrella coverage in New Jersey, New York, Maryland, Delaware and Virginia. Contact us today for a free Umbrella insurance quote!

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