A home, several vehicles, and a boat add up to real liability exposure. Umbrella insurance can add protection for Tennessee households.
Looking for umbrella insurance in Tennessee? Tennessee's minimum auto liability limits are 25/50/25, and a serious claim can exceed them. A Blue Peak advisor can help you add an umbrella that fits your household.
Tennessee households with lake homes, boats, or rental cabins often have more liability exposure than a single policy can cover.
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 Tennessee 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 common Tennessee coverage.
Tennessee's minimum auto limits are 25/50/25. Umbrella insurers usually require higher underlying limits, which adds protection before the umbrella starts.
Boats and lake property can add liability risk. Ask whether your umbrella covers them and what boat liability you need.
If you rent out a cabin or home, review its liability coverage with your umbrella insurer's requirements.
Use these questions when you compare quotes or review your current policy:
The Tennessee Department of Commerce and Insurance (TDCI) licenses the insurers and agents that sell umbrella insurance in Tennessee. If you have a question about a claim or a company, TDCI's consumer services team can help, and you can confirm any agent's license on the Tennessee Department of Commerce and Insurance website.
Tennessee sees tornadoes like the March 2020 outbreak in Nashville, flash floods like the 2010 Nashville flood and the 2021 Waverly flood, and earthquake risk in West Tennessee near the New Madrid Seismic Zone. Tennessee requires at least 25/50/25 liability coverage, and insurers must offer uninsured motorist coverage unless you reject it in writing.
Blue Peak works with families and property owners in Nashville, Memphis, Knoxville, Chattanooga, Clarksville and Murfreesboro, as well as smaller towns across Tennessee. Our advisors compare options from multiple carriers and explain how Tennessee rules apply to your umbrella insurance before you decide.
No. It is optional, but it adds liability protection above your auto, home, and other personal policies.
It may, if the rental carries the required underlying liability coverage. An advisor can confirm with your insurer.
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 Tennessee.
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 Tennessee is regulated by the Tennessee Department of Commerce and Insurance (TDCI). TDCI licenses agents and insurers and handles insurance complaints in Tennessee.
Before you buy any policy, you can confirm that an agent or agency holds an active Tennessee 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 Tennessee.
This page is general information, not legal advice. Coverage terms, rates and availability depend on the insurer and your policy.
