Umbrella Insurance
Oregon's trusted independent insurance agency — serving families and businesses since 1935.
Umbrella Insurance in Oregon
An umbrella insurance policy provides an extra layer of liability protection beyond the limits of your auto, home, and other personal insurance policies. For a relatively small annual premium, you can get $1 million or more in additional coverage — protecting your assets, savings, and future income from large liability claims and lawsuits.
Why Choose Insure Pacific?
- Independent agency — we work for you
- 50+ top-rated insurance carriers
- Licensed Oregon agents
- Serving Oregon since 1935
- Competitive rates through market comparison
- Personalized service and claims advocacy
Coverage Options
Extra layers of liability protection that go beyond your standard home and auto policies.
Excess Liability
Provides additional liability coverage that kicks in when your auto, home, or boat policy limits are exhausted — protecting your assets from large claims.
Bodily Injury Liability
Covers serious bodily injuries you cause to others in accidents, including medical bills, lost wages, and pain and suffering claims above your primary policy limits.
Property Damage Liability
Covers damage you cause to another person's property — vehicles, structures, or belongings — beyond what your primary auto or home policy will pay.
Personal Injury
Covers non-physical harm claims including libel, slander, defamation, false arrest, wrongful eviction, and invasion of privacy.
Legal Defense Costs
Pays attorney fees, court costs, and legal expenses for covered claims — even if the lawsuit is ultimately found to be without merit.
Worldwide Coverage
Your umbrella policy travels with you — coverage applies worldwide, not just in Oregon or the United States, for qualifying incidents.
Why You Need Umbrella Insurance
Protect Your Assets
Without umbrella coverage, a large lawsuit could wipe out your savings, investments, and home equity.
Affordable Coverage
Umbrella policies typically cost $150–300 per year for $1 million in coverage.
Covers Gaps
Umbrella policies can cover situations not covered by your primary policies.
Peace of Mind
Know that you're protected from catastrophic liability claims.
Get in Touch
Ready to protect what matters most? Contact us today for a no-obligation insurance review. Our experienced agents are here to help you find the right coverage for your needs.
Monica
Insurance Specialist
Hi there! 👋
I'm the AI version of Monica here at Insure Pacific!
Ask me anything about insurance — home, auto, farm, commercial, wildfire, and more. I can answer your questions directly or connect you with one of our agents.