Umbrella Insurance

An umbrella policy adds an extra layer of financial protection when your standard coverage isn’t enough. At Capstone Insurance and Financial Group, we help you safeguard your future from large, unexpected claims.

One accident can exceed your existing coverage.

If you’re sued after a major accident or claim, your home or auto insurance may not cover the full amount. That’s where umbrella insurance comes in—it steps in after your other policies reach their limit.


We help you understand how umbrella coverage works and whether it makes sense for your situation. It’s a smart, affordable way to protect your savings, your assets, and your peace of mind.

Extra Protection When It Matters Most

Umbrella policies extend your liability limits—so you’re covered beyond the standard amounts.

Affordable Coverage for Big Risks

For a relatively low cost, you can add millions in protection against lawsuits, injuries, or property damage.

A Simple Addition to Your Current Policies

We make it easy to add umbrella coverage to your existing home or auto insurance, all under one plan.

Frequently Asked Questions

  • What does umbrella insurance cover?

     It adds liability coverage above your home, auto, or renters insurance—covering legal fees, settlements, and damages.

  • Do I need to be wealthy to get umbrella insurance?

    No. Anyone with a home, savings, or future income to protect can benefit from this extra layer of coverage.

  • Is umbrella insurance expensive?

    Not at all. Many policies start under $300 a year for $1 million in coverage. We help you find the right fit.

  • What are common situations where it helps?

    Umbrella insurance can protect you after a major car accident, a guest injury on your property, or a lawsuit.

  • How much coverage should I get?

    It depends on your assets and risk level. We’ll help you choose the right amount for your situation.

A Simple Policy With Big Protection

Let’s add the coverage that protects everything you’ve worked for.

We’ll help you understand how umbrella insurance fits into your plan—so you can move forward with confidence.