Accidents happen, and sometimes the costs can exceed the limits of your home, auto, or rental insurance policies. That’s where umbrella insurance comes in—offering extra liability protection to safeguard your assets and future.

At Freedom Insurance, we provide affordable and comprehensive umbrella insurance for homeowners, renters, landlords, business owners, and more across Massachusetts.

Umbrella insurance is an extra layer of liability protection that kicks in when the limits of your home, auto, or other primary insurance policies have been exhausted. It helps protect you from major lawsuits, medical expenses, and damages that could otherwise put your assets at risk.

💡 Example: If you’re in a car accident and at fault for $500,000 in damages, but your auto policy only covers $300,000, an umbrella policy can cover the remaining $200,000, preventing you from paying out-of-pocket.

🌎 Bodily Injury Liability – Covers medical bills and legal costs if someone is injured on your property, in a car accident, or due to your actions.
💰 Property Damage Liability – Helps pay for damage to someone else’s property beyond your standard policy limits.
🛡 Lawsuits & Legal Fees – Protects against defamation, slander, false arrest, or other personal liability claims.
🐶 Pet-Related Incidents – Provides coverage if your pet injures someone and the claim exceeds your home insurance limits.
🛥 Additional Coverage for Recreational Vehicles – Extends liability coverage for boats, motorcycles, and rental properties.

What’s NOT covered? Umbrella insurance doesn’t cover your personal belongings, intentional harm, or business-related losses.