Umbrella Insurance

Umbrella Insurance is simply a low-cost means to have extra liability coverage on your home, auto, or other personal insurance policies. Just like you carry an umbrella to protect yourself from a downpour, a custom umbrella insurance policy will protect you from the types of claims that could leave you underwater. It can be indispensable if you find yourself liable for a claim larger than what your primary insurance plan covers. For example, your teen causes an accident resulting in $900,000 in damages, but your auto insurance policy only covers $300,000 of the claim.

We've got you covered.

Excess Bodily Injury Liability

– When you injure another person, including drivers and passengers, this coverage helps pay for medical, legal, and other related costs (lost wages, death benefits, etc.) due to the accident.

Excess Property Damage Liability

When you damage another person’s vehicle or property, this coverage helps to repair or replace your vehicle, the other person’s vehicle, as well as any items or property involved in the accident.

Excess Personal Injury Liability

Address any insurable offenses that produce harm other than bodily injury. This coverage can help you pay legal and other related costs in situations like invasion of privacy, libel, slander, humiliation or defamation of another person’s character.

Request a quote
for Umbrella insurance.

Start your Umbrella quote fast by answering just a few easy questions and we’ll compare rates and coverages to create a policy taylor made for you.

Start a Quote

Talk with our
Umbrella expert.

  • Cheryl Mantsch

  • Personal Lines Account Manager
  • 814-315-1315

Build a custom policy

Safeguard all aspects of life.


Auto Insurance is mandatory in Pennsylvania, and the cost of your premium will vary depending on multiple factors such as your age, gender, years of driving experience, and accident or moving violation history. Luckily, many coverage options exist so you can select a plan that meets your needs and budget.

Learn More →


As many like to say, home is where the heart is—and it’s important you protect it. Home Insurance helps safeguard you from certain perils or risks that can damage your house, personal property, or simply set you back financially.

Learn More →


Maybe you want to help sustain your family’s lifestyle or be able to pay off student loans and other debts, or perhaps leave a legacy for the next generation. No matter the reason, Life Insurance is one of the best investments you can make.

Learn More →


How do you enjoy the water—jet ski, pontoon, sailboat? Whatever your pleasure, Watercraft Insurance can help cover costly expenses, so you don’t have to give up the ship. A custom policy will help protect yourself, your passengers, and watercraft, both on and off the water.

Learn More →

Umbrella Insurance Partners