Umbrella Insurance
Extra Liability Protection for Oregon Coast Families
Personal Umbrella Insurance in Oregon Coast
Your auto and home insurance policies have liability limits — and if you are involved in a serious accident or lawsuit, those limits may not be enough to protect your assets. A personal umbrella policy provides an additional layer of liability coverage — typically $1 million or more — that kicks in when your underlying policy limits are exhausted.
Gerald Ross Agency helps Oregon Coast families find affordable umbrella insurance that protects their savings, home, and future earnings from large liability claims. For most families, a $1 million umbrella policy costs less than $300 per year — making it one of the best values in personal insurance.
Why Choose Gerald Ross Agency?
- Independent agency — we work for you
- 50+ top-rated insurance carriers
- Licensed Oregon agents
- Serving Oregon Coast since 1937
- Competitive rates through market comparison
- Personalized service and claims advocacy
What's Covered
Extra liability protection beyond your existing policies.
Auto Liability Excess
Provides additional coverage when an auto accident exceeds your auto policy's liability limits.
Home Liability Excess
Covers claims that exceed your homeowners policy's liability limits — such as serious injuries on your property.
Bodily Injury Liability
Covers medical expenses, lost wages, and pain and suffering for people injured in accidents you cause.
Property Damage Liability
Covers damage you accidentally cause to other people's property beyond your underlying policy limits.
Personal Liability
Covers libel, slander, false arrest, and other personal liability claims not covered by standard policies.
Worldwide Coverage
Most umbrella policies provide coverage for incidents that occur anywhere in the world.
Why Oregon Coast Families Choose Umbrella Insurance
A single serious auto accident or injury on your property can result in a lawsuit that exceeds your standard policy limits. Without umbrella coverage, your personal assets — savings, home equity, future earnings — are at risk. Umbrella insurance provides a critical safety net for families with significant assets to protect.
Umbrella insurance is especially important if you own a home, have teenagers who drive, own a pool or trampoline, have significant savings or investments, or are involved in activities that increase your liability exposure. Gerald Ross Agency helps you determine the right coverage amount and find the most competitive rate.
Frequently Asked Questions
Common questions about umbrella insurance in Oregon.
Still have questions? Our licensed agents are here to help.
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