Umbrella coverage guide · Middle Tennessee
How Much Umbrella Insurance Do I Need?
There’s no single right number. This guide walks through the questions that help you and your agent decide.
Dustin Rodgers and team
Dustin Rodgers and team, Mt. Juliet
Your local agent
The short answer
The right umbrella amount depends on what you’d want protected if you were found responsible for a serious accident, and on the risks in your household. Many people start by looking at their savings, home equity and future income, then think about teen drivers, pools, boats and rental properties. A local agent can help you weigh it.
Coverage
Five questions to work through
Take these one at a time. You don’t need exact numbers to start.
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1. What could be at risk?
Think about savings, home equity, investments and future earnings. These are what a large liability claim could reach.
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2. Who drives in your household?
Teen drivers and more cars on the road can raise liability exposure.
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3. What happens at your home?
Pools, trampolines, dogs and frequent guests are common reasons people ask.
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4. Do you own toys or rentals?
Boats, ATVs and rental properties each add their own liability questions.
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5. What are your current limits?
Umbrellas usually require certain liability limits on home and auto first.
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Then talk it through
Bring your answers to a call with us and we’ll go over options.
This guide is general information, not advice for your situation. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
What to have handy
If you want to talk it through with us, these make the conversation quicker.
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Your current home and auto declarations pages
- Household drivers and ages
- Boats, ATVs, RVs and rental properties
- A rough idea of what you want to protect
Around Middle Tennessee
How an umbrella fits with your other policies
An umbrella sits on top of your home, auto and some other policies. When a covered liability claim goes past those limits, the umbrella may help with the rest, up to its own limit.
Umbrellas don’t cover your own injuries or your own property, and they don’t replace your home or auto policies. They’re extra liability protection.
Sources: NAIC: what’s an umbrella policy?
No figures here on purpose
We don’t publish a recommended amount, because the right number depends on your situation. Call us and we’ll talk it through.
Areas we serve
Areas I Serve
We help customers in Mt. Juliet, Lebanon, Watertown, Hermitage, Gallatin, Hendersonville, Nashville and all of Middle Tennessee.
Our office is in Mt. Juliet, just off I-40 at Mt. Juliet Rd. You can reach us by phone, email or in person.
Why a local agent
Why talk it through with a local agent?
- A person, not a calculator: We’ll talk through your situation and explain options instead of picking a number for you.
- One local office: You can call 615-562-5100 and talk with our office on Providence Pkwy.
- No pressure: Use this page to think it through. Call when you’re ready.
- Serving Middle Tennessee since 2011: We’ve helped neighbors across Wilson, Davidson and Sumner counties for years.
Reviews
What Our Neighbors Say
Our customers have given us 4.9 stars from 109 Google reviews. We’d love to earn yours too.
Your agent
Meet Dustin Rodgers
Hi, I’m Dustin. I’ve lived in Tennessee for almost my entire life. I went to Hume Fogg Academic High School in Nashville and earned my bachelor’s degree from Trevecca Nazarene University. Today I’m a licensed insurance agent here in Tennessee, and I’ve been in the insurance business since March 2011.
At Rodgers Insurance Agency, my team and I work with families and small businesses to put the right protection in place before they need it. We’d love to get to know you.
- In the insurance business since March 2011
- Trevecca Nazarene University
- Hume Fogg Academic High School
FAQ
Middle Tennessee Umbrella Coverage Guide FAQs
Updated
How much umbrella insurance do most people buy?
It varies a lot. The right amount depends on what you want to protect and your household’s risks, so we’d rather talk through yours than give one number.
Is an umbrella only for wealthy people?
No. People with teen drivers, pools, boats or rentals often consider one, whatever their income.
What does an umbrella not cover?
It doesn’t cover your own injuries or your own property, and it has its own exclusions. Ask us to go over them.
Do I have to raise my home and auto limits?
Usually the umbrella requires certain underlying limits. We’ll check yours.
Does an umbrella cover my teen driver?
It may cover household drivers listed on your auto policy. Tell us who drives.
Does it cover my rental property or boat?
It may, if the underlying policies meet the requirements.
Can I add an umbrella later?
Yes. You can usually add one any time. Life changes like a teen driver or a new boat are good times to review.
Do you offer umbrella coverage outside Mt. Juliet?
Yes. We work with families across Middle Tennessee.
How do I get started?
Call 615-562-5100 or send the form, and have your current home and auto policies handy.
Talk through your umbrella options
Send us a few details and we’ll follow up, usually the same business day.
Stop By or Call Our Mt. Juliet Office
Have a question about umbrella coverage guide or anything else on your policies? Give us a call, or set a time to sit down with Dustin in person or by phone.
- Address
- 1982 Providence Pkwy Ste 257
Mt Juliet, TN 37122 - Directions
- Providence area, second floor, same building as Oscar’s Taco Shop
- Phone
- 615-562-5100
- Reviews
- Google reviews · Leave a review
- Hours
- Monday–Friday, 8:00 AM–5:00 PM
Saturday–Sunday, closed