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Personal Insurance · Mississippi

Umbrella Insurance in Mississippi

A personal umbrella policy gives you an extra $1 million or more in liability coverage for a surprisingly low cost — typically $200–$400 per year. It's one of the best values in personal insurance.

Get an umbrella quoteCall (601) 255-7500

How umbrella coverage works

What a personal umbrella policy covers

A personal umbrella policy sits on top of your existing home and auto policies. When a liability claim exceeds the limits on those policies, your umbrella kicks in to cover the rest — up to $1 million, $2 million, or more depending on the policy you choose.

Why standard limits often aren't enough

A serious auto accident, a guest injured on your property, or a lawsuit can easily exceed the $300,000–$500,000 liability limits on most home and auto policies. Without an umbrella, you're personally responsible for anything above your policy limits — including your savings, investments, and future income.

What umbrella covers

  • Serious auto accidents where you're at fault
  • Injuries on your property (pool accidents, dog bites, slip and falls)
  • Libel and slander claims
  • Claims from rental properties you own
  • Legal defense costs (which alone can run into six figures)

Who should have umbrella insurance?

Anyone with meaningful assets — a home, savings, retirement accounts, or future earning potential — should seriously consider umbrella coverage. You don't have to be wealthy to be a target of a lawsuit. And at $200–$400 per year for $1 million in coverage, it's one of the most affordable protections you can buy.

Common questions

Do I need to have my home and auto with the same company to get an umbrella?
Most carriers require you to have your underlying home and auto policies with them to write an umbrella. We can help you bundle everything properly so you qualify.
How much umbrella coverage do I need?
A common guideline is to match your umbrella limit to your net worth. If you have $500,000 in assets, carry at least $1 million in umbrella coverage. Most people start with $1 million and add more from there.
Does umbrella cover business liability?
Personal umbrella policies cover personal liability only — not business activities. If you run a business, you'll need a commercial umbrella or excess liability policy separately.
How much does umbrella insurance cost in Mississippi?
Most people pay $200–$400 per year for a $1 million umbrella policy. Additional million-dollar increments are typically $100–$150 more. It's genuinely one of the best values in insurance.

$1 million in extra protection — for about a dollar a day

Add an umbrella to your existing coverage and sleep better at night.

Get a quoteCall (601) 255-7500