Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
One serious accident or lawsuit can drain your savings and put your future income at risk. Umbrella insurance offers high-limit liability coverage that extends beyond your home, auto, or other policies.
At a glance
Personal umbrella insurance
What it sits on
Your auto, home, renters, condo, boat and RV liability limits.
What it does not do
Repair your car or your house. It is liability only.
Underlying limits
Carriers require minimum liability limits on the policies beneath it.
Sold in
Round increments, starting at one million dollars of coverage.
Who it fits
Anyone with savings, home equity, future income, a pool, a teen driver or a boat.
5.0 on Google and Facebook
A growing list of carriers
SIAA member agency
A local agent who picks up
Start here
An umbrella policy does one job: it sits on top of the liability limits you already carry and keeps paying after they run out. It does not cover your car or your house. It covers you, and it follows you.
Your auto policy has a liability limit. Your homeowners or renters policy has one too. Both of those are hard ceilings. When a claim against you passes the ceiling, the rest is a personal debt, and in Arizona a judgment can reach wages and assets. Umbrella is the layer that stops that.
It is also broader than the policies underneath it. Umbrellas commonly pick up personal injury claims such as libel and slander that a homeowners policy does not touch, and they generally pay defense costs, which on a contested claim can be a large share of the total.
Carriers require you to carry certain minimum liability limits on the underlying auto and home policies before they will write an umbrella. That requirement is often the useful part of the conversation, because it means fixing thin limits underneath first, which is worth doing regardless.
How it works
Read this drawing from the bottom up. Your auto liability pays first, up to its limit. Your home or renters liability pays first on a claim at the property, up to its limit. Only when one of those is exhausted does the umbrella layer engage.
That structure is why umbrella coverage costs so much less per dollar of protection than the policies underneath it. It is only ever paying on the rare claim that got past a full underlying limit, so the premium reflects that.
A few situations move an umbrella from optional to obvious: a teen driver on the policy, a swimming pool, a boat or a side-by-side, hosting regularly, serving on a non-profit board, or simply having enough equity and income that a judgment would genuinely hurt.
The underlying policies pay first. The umbrella engages only after one of them is exhausted, which is why it buys a large limit for a small premium.
An umbrella is only as good as the policies underneath it, and as an independent agency we get to look at all of them together. We shop the umbrella with more than one company and make sure the layers below it actually line up.
We bring up umbrella coverage most often with two kinds of client: the family who just added a teenage driver, and the household that has quietly built up enough equity and savings that the old liability limits no longer match what there is to lose.
How we size it
Add up what a judgment could actually reach: savings, equity, investments, future wages
Check the liability limits on every underlying policy, including the boat and the RV
Raise the thin ones first, because that is often cheaper than a bigger umbrella
Then quote the umbrella across carriers, since pricing varies more than people expect
Because we hold your whole file, the underlying policies and the umbrella stay in step. That matters: an umbrella can fail to respond if the policy beneath it was quietly reduced below the required limit at some renewal nobody mentioned.
No dollar figures here on purpose. The shape of the two outcomes is the whole argument.
Without an umbrella
Your auto or home liability limit is the ceiling on what the insurer will pay.
Anything above it is a personal obligation, and defense costs can erode the limit.
Savings, home equity and future wages are all potentially exposed to a judgment.
There is nothing to add after the claim happens.
With an umbrella
A second layer engages when the underlying limit is exhausted.
Defense costs are generally paid, often outside the limit rather than out of it.
Coverage extends across the auto, the house, the boat and the RV in one policy.
Buying it usually forces a useful cleanup of thin limits underneath.
In their words
5.0 stars across Google and Facebook
“
Great experience with this insurance agent! He helped me find a good price for my car insurance and made the whole process easy and stress-free. Very helpful, honest, and professional. Highly recommend!
RY
Ramez Y.
I had a great experience with Shield of Faith Insurance! Mena took the time to understand our family's needs and explained each part of the coverage clearly. He helped us set up a home insurance policy with stronger protection and bundled it with our auto insurance for a package at a lower cost. What stood out most was his honesty and patience, he focused only on what truly benefited us, making the whole process simple and stress-free. We now have better coverage and peace of mind thanks to Mena. Highly recommend!
Hanna K. · Google and Facebook
Shield of Faith Insurance made getting renters insurance simple and affordable, after talking to a few other brokers, they were the ones who helped me get the best coverage with no stress!
Ahmad F. · Google and Facebook
I had a really good experience working with Shield of Faith Insurance. I needed new rental insurance as I was moving apartments. I got sent details on the policy next day and all I had to do was sign the forms. I ended up with a really good deal and saved about 20% compared to my old policy. I reached out to him again about auto insurance as well. I have had Geico for over 5 years and my premiums had only gotten more expensive. He somehow ended up getting me more coverage for half the price I was paying before. The entire process was easy and Mena was very responsive to email and text. Would highly encourage you to take a look and see what type of deals he can make for your insurance policies.
David G. · Google
I had a fantastic experience with Shield of Faith Insurance! Mena was incredibly patient and took the time to walk me through every detail of the coverage options. He made sure I understood the benefits clearly and only recommended what truly made sense for my specific situation. Thanks to Mena, I now have an auto policy that provides much better coverage at a significantly lower cost than what I was paying before. The entire process was smooth and efficient. He handled most of the backend work, which saved me a lot of time and hassle. If you're looking for an honest, knowledgeable, and helpful insurance agent, I highly recommend Mena at Shield of Faith Insurance!
Sara Z. · Google
Every review above is quoted in full from Google or Facebook. Read all of them.
What does umbrella insurance cover?
It covers personal liability above the limits of your auto, home, renters, condo, boat and RV policies, and it generally pays legal defense costs. It commonly also covers some claims those policies exclude, such as libel and slander. It does not cover damage to your own property.
Do I need umbrella insurance if I do not consider myself wealthy?
A judgment can reach future wages, not only current assets, which is why umbrella coverage is not only for high net worth households. If you own a home, have savings, have a teenage driver, or own a pool or a boat, it is worth pricing.
How much does umbrella insurance cost?
We do not publish rates, because they depend on your underlying policies, your household, your vehicles and your carrier. What is consistently true is that it buys more limit per dollar than any other liability coverage, because it only pays after an underlying limit is gone.
Do I have to move my other policies to buy an umbrella?
Not always, but many carriers require the underlying auto and home policies to be with them, and nearly all require certain minimum liability limits underneath. We check the requirement for each carrier we quote so there are no surprises at issue.
Does an umbrella cover my business?
A personal umbrella generally excludes business activities. If you run a business, the equivalent layer is commercial umbrella or excess liability, which sits above your general liability and commercial auto policies instead.
Free and no obligation
At Shield of Faith Insurance, we make it easy to compare options and find affordable coverage. Whether you need auto insurance, homeowners insurance, life insurance, or specialty coverage in Peoria, AZ, we're here to help.
Contact our Peoria office today to request your free, no-obligation insurance quote and discover how we can help you protect what matters most.
Call or text anytime during the business week. Evenings and Saturdays by appointment.
What happens next
1
A real person from our office calls you back with real numbers.2
No robo-dialers and no spam calls.3
You pick the coverage, we handle the paperwork.Service area
Umbrella insurance in Arizona sits above the limits you already carry, and we write umbrella insurance in Peoria, AZ alongside the auto and home policies underneath it. An umbrella policy in Arizona is the cheapest large limit on this whole site, because it only pays once an underlying limit is exhausted.
The 60 second version
Tell us what you own and how to reach you. We will do the comparing.
No robo-dialers and no spam calls. A local agent follows up personally. Sending this does not bind coverage.
It is usually less than people guess. We can price it against your existing limits in one call.
