Duluth, GA Umbrella Insurance
from Concierge Insurance Group
Why Standard Coverage Isn’t Always Enough
Concierge Insurance Group explains why standard coverage isn’t always enough. Your home and auto policies protect you — up to a point. But what happens if:
- A teenager in your household causes a multi-car accident on I-85 with damages over $1 million?
- A guest is seriously injured in your pool and medical bills exceed your liability limit?
- A lawsuit for defamation or property damage pushes beyond your coverage?
When your standard policy maxes out, you’re responsible for the rest. That’s where umbrella insurance steps in.
Protect Your Assets
Ensure your savings, investments, and property are not wiped out by a major claim.
Cover Liability Gaps
Bridge the limits of home and auto insurance with extra umbrella coverage.
Peace of Mind
Relax knowing that one incident won’t financially devastate your family.
What Does Umbrella Insurance Cover?
Umbrella policies provide extra liability protection on top of your home and auto policies. Core areas of coverage include:
Bodily Injury Liability
Covers major medical expenses after an accident, protecting your finances from large claims.
Property Damage Liability
Pays for repairs or replacement if you're responsible for damaging someone else's property.
Legal Defense Costs
Includes attorney fees, court costs, and settlements — even if a lawsuit is groundless.
Personal Liability
Protection from claims like libel, slander, or reputational harm that can lead to lawsuits.
Coverage generally starts at $1 million and can scale higher depending on your needs.
How Much Does Umbrella Insurance Cost in Duluth?
Umbrella coverage is surprisingly affordable for Duluth families looking to add meaningful financial protection.
- Typical Georgia range: $200–$500 per year for $1M in coverage.
- Active Concierge IG policy: Hartford umbrella at $292/year.
- Real-world insight: Many Duluth families secure millions in extra liability protection for less than $25/month.
Who in Duluth Needs Umbrella Coverage?
You should strongly consider umbrella insurance if you:
- Own a home in neighborhoods like Sugarloaf Country Club, McClure Place, or Olde Towne Village.
- Have teen drivers or multiple vehicles.
- Own a pool, trampoline, or other high-liability amenities.
- Have significant savings, investments, or high-value assets.
- Rent out property or host community events.
A Simple 3-Step Plan
1. Review Your Current Policies
Identify your liability gaps and understand your current limits.
2. Add Umbrella Protection
Choose the right coverage limit for your family’s needs.
3. Rest Easy
Enjoy peace of mind knowing one lawsuit won’t wipe out your savings.
Frequently Asked Questions: Umbrella Insurance
Q: Do I need umbrella insurance if I already have homeowners and auto coverage?
A: Yes. Homeowners and auto policies usually cap out between $300k–$500k. Umbrella insurance adds an additional layer of protection above those limits.
Q: Does an umbrella policy cover business risks?
A: Personal umbrella insurance covers personal risks only. If you own or operate a business, we can quote a commercial umbrella policy for proper protection.
Q: Is umbrella coverage expensive?
A: Not at all. Most Duluth families pay between $200–$500 per year. Some of our clients pay as low as $292/year for their umbrella policy.
Next Step: Protect Your Duluth Lifestyle
Don’t leave your assets exposed. One accident could cost far more than your standard policies cover.