If you own a custom-built home in Atlanta, chances are your lifestyle comes with more complexity than a standard insurance policy can cover. Pools, teen drivers, in-home staff, and vacation properties are just a few of the reasons families in places like Buckhead, Alpharetta, and Sandy Springs choose to add an umbrella insurance policy to their coverage portfolio.
But what is umbrella insurance, and how do you know if you need it?
Let’s break it down.
What Is Umbrella Insurance?
Umbrella insurance is a secondary liability policy that kicks in when your homeowners or auto insurance limits are exhausted. It provides an extra layer of protection for your finances and assets if you’re sued or held liable for a major event.
Typical umbrella policy benefits:
- $1 million to $10 million+ in additional liability protection
- Legal defense costs
- Coverage for incidents on or off your property
- Protection for family members in your household
And here’s the good news: umbrella insurance is also one of the most affordable coverages for the amount of protection it offers. You can often get $1 million in coverage for a few hundred dollars a year.
Why Atlanta Homeowners Should Consider Umbrella Coverage
Georgia is consistently ranked as one of the top states for uninsured and underinsured drivers. That means if you or your family is involved in a major accident, there’s a higher chance the other party may not have enough insurance—putting your assets at risk.
Atlanta-area homeowners also face elevated risk because of:
- High property values and visibility (especially in Buckhead, Brookhaven, and Johns Creek)
- Teen drivers on the road with family vehicles
- Swimming pools and outdoor entertaining areas
- In-home staff (nannies, housekeepers, chefs)
- Short-term rentals or guest stays
If someone is injured on your property, if your teenager causes an accident, or if a lawsuit threatens your assets, umbrella insurance helps protect what you’ve worked hard to build.
What Does Umbrella Insurance Actually Cover?
- Injury lawsuits (e.g., someone slips at your pool party)
- Auto accidents where damages exceed your car insurance limits
- Defamation, libel, or slander claims (even social media posts)
- Incidents involving your pets
- Legal fees related to covered claims
Real example: We recently worked with a family in Milton whose teenage son was involved in a multi-vehicle accident. Their auto policy maxed out, but their umbrella policy covered the remaining $750,000 in damages—without impacting their assets.
Who Needs Umbrella Insurance the Most?
You should strongly consider an umbrella policy if:
- Your home is worth $750K+
- You host guests or events at your home
- You have a pool, trampoline, or tennis court
- You employ domestic staff
- You own a second home or rental property
- You have teenage drivers in the household
- You have a family member on social media with a public presence
- You own significant assets or savings that could be exposed in a lawsuit
If you checked two or more of these, an umbrella policy isn’t just a smart idea—it’s essential.
How Concierge Insurance Group Builds Protection Around Your Life
We help Atlanta families:
- Bundle umbrella coverage with homeowners and auto insurance
- Choose the right coverage limits based on net worth and lifestyle
- Coordinate protection across properties and family members
- Access premier carriers like PURE, Chubb, and Cincinnati
Our private client advisors specialize in working with families who want a proactive risk strategy, not a last-minute Band-Aid.
Let’s Protect More Than Just Your Home
If your current policy stops at the front door, we’ll help extend protection around your entire lifestyle.
