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Wellesley, MA 02482

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Massachusetts Umbrella insurance coverage

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Umbrella Insurance in Massachusetts

Regular homeowners and auto policies are designed to protect you against liability losses in the most common types of accidents. But what if a terrible accident occurs, holding you liable for more than your regular policies limits’ will cover?


No matter who you are or where you live, accidents can happen to anyone. If an accident occurs, you could have a lawsuit filed against you. While your typical insurance policy will cover you for liability, the limits you have are not high enough for the damage you are liable to pay for.

For example, say you get into a car accident with several vehicles, and you are held liable for paying the cost of damages and injuries, which is $700,000. The problem is the limits on your policy cover only up to $500,000.

In cases like these, your auto insurance policy will cover only $500,000 for the whole accident, leaving you responsible for paying the remaining $200,000 yourself. This is where a Massachusetts umbrella insurance policy would kick in. It is an extension of your liability limits that your underlying policy has. Umbrella policies usually have additional limits of from $1 million to $5 million in coverage, which kick in after your underlying limits have been paid.

A Personal Umbrella policy will essentially provide you with extra protection, worldwide coverage, and coverage for claims that may not be covered by your underlying policies.

What a Massachusetts Umbrella Policy Will Not Cover:

  • Lawsuits related to a business you own
  • Drag racing and other forms of high-risk use of your vehicle
  • Vehicles exceeding a particular weight limit, like 12,000 pounds
  • Excess health insurance coverage
  • Your personal property
  • Criminal or intentional actions

Talk to an agent at Cochrane & Porter today to discuss what umbrella policy would benefit your individual lifestyle at 781-943-1555!

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Servicing States

  • Massachusetts
  • New Hampshire
  • Rhode Island
  • Connecticut
  • Florida