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Umbrella Insurance in Georgia


from Concierge Insurance Group

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Why Standard Coverage Isn’t Enough

A serious accident can quickly exceed the limits of your homeowners or auto insurance:

  • You cause a multi-car accident on I-85 with damages over $1 million.
  • A guest is seriously injured in your pool and medical bills top $500,000.
  • A lawsuit for defamation or liability runs into six figures.

When your base policy stops, you’re on the hook for the rest — unless you have umbrella coverage.

What Umbrella Insurance Covers

Umbrella insurance is extra liability protection designed to stack on top of your home, auto, or renters policies.Typical coverage includes:

  • Bodily Injury Liability – injuries caused in auto accidents or at your property.
  • Property Damage Liability – costs for damaging someone else’s property.
  • Legal Defense – attorney fees, court costs, settlements.
  • Personal Liability – claims like libel, slander, or reputational harm.

Coverage starts at $1 million and can scale higher depending on your needs.

💡 Real-world insight:

  • Active umbrella policies in Georgia start as low as $292/year.
  • Most personal umbrellas range $200–$500 annually for $1M coverage.

👉 For less than $25/month, families in Duluth, Alpharetta, Milton, and across Atlanta add millions in extra protection.

Who Needs Umbrella Coverage?

You should strongly consider umbrella insurance if you:

  • Own a home, rental, or multiple properties.
  • Have teen or multiple drivers in your household.
  • Own a pool, trampoline, or dog breed with higher liability risk.
  • Have significant assets, savings, or a public-facing profession.
  • Rent out property or have a home-based business.

Why Choose Concierge Insurance Group?

  • Local expertise – Atlanta suburbs, Duluth, Alpharetta, Milton.
  • Top carriers – Hartford, Travelers, Safeco, Nationwide, Progressive, and more.
  • Concierge service – we review your underlying policies to ensure your umbrella truly protects you.
  • Proven affordability – active policies in our agency start at just $292/year.

How to Add Umbrella Protection

  1. Review Your Current Policy Limits – home & auto liability coverage.
  2. Choose Umbrella Coverage – $1M, $2M, or more based on your assets.
  3. Rest Easy – knowing one accident won’t wipe out your savings.

FAQs

  • How much coverage should I get? - Most families start with $1 million. High-net-worth households often choose $2–5M.
  • Does umbrella insurance cover business risks? - Personal umbrellas do not cover business activities. We can quote a commercial umbrella if needed.
  • Is it really affordable? - Yes. In Georgia, premiums are often $200–$500/year. Our active policies confirm this.

Next Step: Protect Your Future

➜ Get My Free Umbrella Insurance Quote

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