Extra liability protection above your home and auto limits — for Central Kentucky families.
Umbrella insurance for Central Kentucky Families
One lawsuit can cost more than your home and auto policies combined. We can protect you.
Your homeowners and auto insurance policies provide solid liability protection — but they have limits. In today’s environment, a serious accident, injury lawsuit, or unexpected claim can easily exceed those limits, leaving your savings, home equity, and retirement accounts at risk.
Personal umbrella insurance provides an extra layer of liability coverage — typically $1 million to $5 million — that activates after your existing policies are exhausted. At Nova Insurance Group, we help families throughout Lexington, Nicholasville, Jessamine County, Richmond, Berea, Danville, and Harrodsburg, KY find affordable umbrella coverage that delivers real peace of mind.
What Does Umbrella Insurance Cover?
A personal umbrella policy extends the liability limits of your home, auto, and other underlying policies and can cover:
- Bodily injury liability — If you’re found liable for injuries to someone in an auto accident, on your property, or elsewhere, umbrella coverage pays costs above your primary policy limits.
- Property damage liability — Coverage for major damage you cause to others’ vehicles, structures, or property.
- Premises liability — Slip-and-fall incidents at your home, dog bite claims, and accidents involving pools or trampolines.
- Landlord liability — If you own rental property, umbrella coverage can extend your landlord liability exposure.
- Watercraft liability — Accidents involving boats or jet skis that exceed your watercraft policy limits.
- Defamation and personal injury — Some umbrella policies include coverage for claims arising from statements made online or in person.
What Umbrella Insurance Does NOT Cover
Umbrella insurance is a liability-only policy. It does not pay for damage to your own property, your own medical bills, or intentional acts. It also will not respond until your underlying policy limits are fully exhausted.
How Much Does Umbrella Insurance Cost in Kentucky?
A $1 million umbrella policy typically costs $150–$300 per year in Kentucky — often less than $1 per day. Additional increments ($2M, $3M, etc.) are even more cost-efficient per dollar of coverage. Most carriers require minimum liability limits on your underlying home and auto policies.
Which insurance solution is right for your family?
Explore how having the right insurance can protect you from the unexpected.
Property Damage Liability
Risk Factor
You can be held responsible if you significantly damage another vehicle and/or property. Do you have enough coverage to protect yourself from the risk?
Solution
Your standard auto policy limit could easily be exhausted if you are found to be at fault. An umbrella or excess liability policy provides an extra layer of protection once your standard liability limits are exhausted. It’s a cost-effective way to ensure the peace of mind you deserve.
Bodily Injury Liability
Risk Factor
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into a pedestrian, bicycle, or another vehicle. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
An umbrella or excess liability policy helps extend your coverage to better protect you against these significant costs. It’s the ideal coverage to provide peace of mind, even when the unthinkable happens.
Lawsuits
Risk Factor
You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?
Solution
An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies - providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.
Watercraft Liability
Risk Factor
Accidents can happen to anyone at any time, even those who have been out on the water for years. Personal watercraft insurance is a necessity, but sometimes the limit these policies provide isn't enough.
Solution
Your standard watercraft policy limit could easily be exhausted if you are found to be at fault for property damage or personal injury. An umbrella or excess liability policy can extend those limits, providing you an additional layer of financial protection.
Frequently Asked Questions: Umbrella Insurance in Kentucky
How much umbrella insurance do I need?
A general rule is to carry umbrella coverage equal to your net worth — or at least enough to protect your significant assets (home equity, savings, retirement accounts). Most Central Kentucky families start with $1 million and adjust from there.
Does umbrella insurance cover lawsuits in Kentucky?
Yes. If you are sued and a judgment exceeds your home or auto policy limits, umbrella insurance covers the difference — including legal defense costs — up to the umbrella policy’s limit.
Can umbrella insurance cover a rental property I own?
Yes, many umbrella policies can extend to cover liability from rental properties. Disclose all properties and risks when applying to ensure proper coverage.
Is umbrella insurance worth it?
For most families with any significant assets, yes. A $1 million umbrella policy costs most Central Kentucky families $150–$300 per year. The value it provides relative to the premium is among the best in personal insurance.
Do I need umbrella insurance if I already have high liability limits on my home and auto?
High underlying limits reduce — but don’t eliminate — your exposure. A catastrophic injury lawsuit, multi-vehicle accident, or serious premises liability claim can still exceed $500,000 or even $1 million. Umbrella provides a safety net above whatever primary limits you carry.
Talk to an Agent
As an independent agency, we offer multiple options at competitive prices.
