A serious claim can go beyond your home and auto limits. Umbrella insurance gives Missouri households another layer of liability protection.
Looking for umbrella insurance in Missouri? Missouri is a fault-based state, so liability limits matter after an accident. A Blue Peak advisor can help you choose an umbrella limit that fits your assets.
Missouri households that own homes, rentals, or lake property often benefit from reviewing all of their liability limits together.
An umbrella policy adds liability protection that sits above your other personal policies.
Once your home or auto liability limit is used up on a covered claim, an umbrella policy can help pay the remaining amount, up to its own limit.
Some umbrella policies cover certain claims your other policies do not, such as some defamation claims. Coverage depends on the policy wording.
Most insurers require you to carry minimum liability limits on your auto and home insurance in Missouri before they will write an umbrella.
Umbrella policies have limits and exclusions. Business activities, for example, usually need separate commercial coverage.
A licensed Blue Peak advisor can review your options and help you request a quote.
Here is how an umbrella fits with Missouri home and auto coverage.
In Missouri, the at-fault driver is generally responsible for damages. If a claim exceeds your auto limit, an umbrella can help with the rest, up to its limit.
Boats and lake homes can add liability risk. Ask whether your umbrella covers them and what underlying coverage is required.
If you rent out a home, make sure its liability coverage meets your umbrella insurer's requirements.
Use these questions when you compare quotes or review your current policy:
The Missouri Department of Commerce and Insurance (DCI) licenses the insurers and agents that sell umbrella insurance in Missouri. If you have a question about a claim or a company, DCI's consumer services team can help, and you can confirm any agent's license on the Missouri Department of Commerce and Insurance website.
Missouri faces tornadoes and hail every spring, flooding along the Missouri and Mississippi rivers, and earthquake risk from the New Madrid Seismic Zone in the southeast corner of the state. Missouri requires at least 25/50/25 liability plus 25/50 uninsured motorist coverage, and drivers must keep proof of insurance in the vehicle.
Blue Peak works with families and property owners in Kansas City, St. Louis, Springfield, Columbia, Independence and Lee's Summit, as well as smaller towns across Missouri. Our advisors compare options from multiple carriers and explain how Missouri rules apply to your umbrella insurance before you decide.
No. It is optional, but it adds liability protection above your required auto coverage and your home policy.
Some umbrellas extend over boats if you carry the required underlying boat liability coverage. An advisor can check your policy.
Cost depends on the limit you choose, the number of homes, vehicles, and drivers in your household, and your claims history. A quote is the best way to see pricing.
Your home and auto policies have liability limits. An umbrella can help when a serious claim goes beyond those limits.
Many people start by looking at their assets and possible future earnings. An advisor can help you choose a limit that fits your situation.
A serious accident or lawsuit can go beyond your home and auto limits. An umbrella policy can help protect your savings, your home, and your future income.
Learn more about our umbrella insurance options, or see our guide to personal insurance in Missouri.
Blue Peak Risk Advisors is a licensed independent insurance agency. Coverage is subject to underwriting, policy terms, conditions, limits and exclusions. Coverage availability varies by state and carrier. This page is general information only and is not a statement of coverage or legal advice.
Insurance in Missouri is regulated by the Missouri Department of Commerce and Insurance. The department licenses agents and insurers and reviews consumer complaints in Missouri.
Before you buy any policy, you can confirm that an agent or agency holds an active Missouri license using the free NIPR license lookup or the regulator's own search. Ask your advisor which insurer will issue your policy, and check that the insurer is authorized to do business in Missouri.
This page is general information, not legal advice. Coverage terms, rates and availability depend on the insurer and your policy.
