Extra Protection for the Unexpected
Umbrella Insurance in Missouri
Coverage That Picks Up Where Others Leave Off
Missouri Umbrella Policies for Families, Landlords, and Business Owners
Sometimes accidents, and lawsuits, go beyond what your standard policy covers. That’s where umbrella insurance comes in. At Fortner Insurance, we help Missouri clients add an extra layer of liability protection to their existing auto, home, landlord, or business policies. Whether you're a parent, property owner, or professional, an umbrella policy can help protect your finances, assets, and future from large claims or legal costs.
What We Offer
Personal Umbrella Insurance With Real Peace of Mind
Excess Liability Coverage
Kicks in when your home, auto, or rental policy limits are maxed out.
Lawsuit Protection
Helps cover legal defense costs, settlements, and judgments.
Coverage for the Whole Family
Often includes household members, like teen drivers or college-age dependents.
Landlord Umbrella Policies
Added protection for rental property owners beyond landlord insurance.
Auto & Boat Liability Gaps
Extends limits if you’re at fault in a major accident.
Worldwide Coverage
Many policies follow you beyond Missouri or the U.S.
Affordable Premiums
Significant coverage (often $1M+) for a low monthly cost.
Bundle-Friendly
Pair with
home insurance,
auto insurance, or
landlord policies for full protection.
Why Fortner Clients Choose Umbrella Coverage
Big Protection. Small Premium. Honest Guidance.
We Help You Plan for the “What Ifs”
We’ll walk you through real-life examples of when an umbrella policy could be a smart move.
We Keep It Simple
Umbrella insurance sounds complicated, but it doesn’t have to be. We’ll explain everything in plain terms.
We’re Here When It Counts
If you ever need to use your umbrella coverage, you’ll have a local agent to guide you through the process.
Umbrella Insurance FAQs
What Missouri Clients Ask Most
Who needs umbrella insurance?
Anyone with assets to protect. It’s especially helpful if you own a home, have a teen driver, rent property, or host guests frequently.
Does umbrella insurance cover everything?
Not everything—but it extends liability limits on existing policies. It doesn’t replace your core coverage, it adds to it.
Is umbrella insurance only for the wealthy?
No. It’s one of the most affordable ways to protect yourself from unexpected legal costs—and not just for high-net-worth families.
How much coverage can I get?
Most umbrella policies start at $1 million in liability protection, but higher limits are available.
Does umbrella coverage apply outside the U.S.?
Yes. Many policies include worldwide liability coverage—perfect if you travel or own property abroad.